When life happens, we’ve got your back
When you’re facing a demanding life event, CSC is here for you.
Big picture planning and actionable next steps
When you’re facing a demanding life event, it can be tricky to think strategically. The good news? You can still get your focus back and CSC is here for you.
Gift yourself the space you need to pause and process your situation; then choose your version of reset.
Here’s how to do it.
Life doesn’t always follow the path you expect
You might be navigating redundancy, like Queenie, who discovered she could stay with her fund and keep her super on track.
Or facing a health setback, like Rebecca, who saw the value of having insurance in place when she needed it most.
Or managing a major life change, like Kaito, learning how super fits into separation and planning for what’s next.
These moments can feel overwhelming, but they’re more common than you think. And when they happen, your super can play a bigger role than you expect.
Redundancy and change can be difficult while you decide what to do next.
- Stay with us—changing jobs doesn’t mean changing super funds: Take us with you
- Work through our self-paced online program: Looking ahead: Redundancy
- Visit the Australian Government redundancy resource: What's Next.
Are you an employer considering a redundancy process?
Make a positive impact in a time of uncertainty: Managing Redundancy
Redundancy isn’t the end, it’s your reset
Read Queenie’s storyRedundancy doesn’t mean losing your super—take us with you
Find out moreWhen a CSC member dies: what happens and what to do next.
If you're the CSC member (things to do now)
Review your plans regularly or when major life events occur.
- Check and update your beneficiary nomination: log in to CSC Navigator
- Learn how a beneficiary nomination lets us know who your super must go to: Nominate a beneficiary
- Gather your important documents (e.g. birth certificate, CSC Annual Statement or CPI letter—with your member number) and store them in a safe palce.
- Visit Services Australia: What to organise before you die
If you're the representative or CSC beneficiary (what to do first)
A single, dedicated CSC case manager will assist you.
- Complete our online Notice of Death form
- Call 02 6214 4912
- Email [email protected]
- Visit Services Australia: Death of a loved one
- Visit the Australian Taxation Office: Superannuation death benefits
Are you a Defined Benefit member?
See our factsheet: When a CSC member dies: what happens and what to do.
Make it legal! Set up a binding beneficiary and decide what happens to your super
Find out moreDo it once! Set up a non-binding beneficiary nomination in CSC Navigator
Read Daku's storyYour insurance through super can provide you with options.
Living with sickness or injury
Make time to review your insurance as your circumstances evolve.
- Check your cover: log in to CSC Navigator
- Learn about your insurance through super options.
- Hear how insurance through super has supported our members’ recovery and wellbeing: Watch Life stories
- Reach out for mental health care for lifePLUS cover and lifePLUS Protect members: My Psychologist
- Visit Services Australia: Help to recover
Living with terminal illness
You may apply to the ATO for early access to super on specified compassionate grounds. Strict eligibility conditions apply.
- Check your cover: log in to CSC Navigator
- Read our Early access to super
- Visit the Australian Taxation Office: Access on compassionate grounds
- Visit the Australian Taxation Office: Access super due to a terminal medical condition
When ill health brings unexpected detours
Read Rebecca’s storySupport through terminal illness: focusing on what matters most
Find out moreYou’re experiencing severe financial hardship and searching for support. Strict eligibility conditions apply.
Access super early
- Read our Early access to super
- Visit Services Australia: Severe financial hardship provisions
- Visit the Australian Taxation Office: When you can access your super early
Access financial literacy and counselling
- Accelerate your know-how with our tools and resources.
- Book a call with a CSC Super Specialist
- Receive confidential financial counselling provided by not-for-profit organisations: National Debt Helpline
- Set goals and manage your money: MoneySmart.gov.au
- Protect your mental wellbeing from cost of living pressures: Beyond Blue
Support in times of financial stress
Read Sarah’s storyYour super doesn’t convert to cash when you split it (aka ‘super splitting’). It involves a court order or a super agreement.
- Learn how separating or divorcing couples divide super assets: Separation and divorce
- Visit Services Australia: Breaking up with your partner
- Visit MoneySmart.gov.au: Getting divorced or separating
Splitting isn’t the same as cashing out
Read Kaito’s storyProtect what matters: updating your super after separation
Find out moreLife changes, so should your protection
Find out moreWhen you need someone to talk to
Mental distress or mental illness is not poor resilience or a personal failing.
If you’re experiencing significant distress and need additional support, speak to your GP or call Lifeline.org.au on 13 11 14.