Nominating a beneficiary

Binding nomination

A binding nomination gives you certainty. If it’s valid and up to date when you pass away, we must pay your super to the people you’ve nominated^. 

• What to know

  • You can nominate more than one person, but the total must equal 100% using whole percentages (e.g. 30% + 20% + 50%)
  • You can only nominate eligible beneficiaries under superannuation law.

  Who you can nominate

• How to make a binding nomination

  1. Download and complete the Binding Beneficiary form.
  2. Print, sign and date in the presence of 2 witnesses (they must be non-beneficiaries).
  3. Have your 2 witnesses sign and date the form on the same day to make it valid and avoid processing delays

  4. Email or post it to us at:

     [email protected]

     [email protected]

     GPO Box 2252, Canberra ACT 2601

• Keeping it up to date

  Binding nominations are valid for 3 years from when they are signed, confirmed or updated. We’ll remind you before yours expires, so you can stay on track.

  To renew, complete a new Binding Beneficiary form and follow the steps on the form.

  You can review your nomination anytime in CSC Navigator.

Non-binding nomination

A non-binding nomination tells us who you’d prefer your super to go to. While it isn’t legally binding, it gives us guidance making decisions in line with superannuation law.

• How to make a non-binding nomination

  1. Log in to CSC Navigator
  2. Go to the Beneficiaries tab and add or edit your nomination.  

• Keeping it up to date

  Your non-binding nomination doesn’t expire, but it’s important to review it regularly,

  You can make or update your nomination anytime in CSC Navigator.

Reversionary nomination (CSCri)

If you’re receiving a CSC retirement income stream (CSCri), a reversionary nomination means your dependant can continue receiving those payments after you die.

Choosing this option:

• Provides certainty and continuity for your loved one
• Overrides any previous nominations made (binding or non-binding)
• Does not expire

You can only nominate one dependant, and you can’t nominate your legal personal representative (your estate).

• How we’ll pay your benefit

  We’ll pay your income stream to your nominated dependant until your account balance reaches zero. While receiving payments, your dependant can manage the account, including switching investment options, adjusting the annual payment amount and making lump sum withdrawals.

  If the income stream is paid to a child over 18 who is:

  • disabled: we’ll pay the income stream until the account balance reaches zero.
  • financially dependant (not disabled): we’ll pay this until the child turns 25, then the remaining balance will be paid as a lump sum (otherwise, the income stream stops at age 18).

• How to make a reversionary nomination

  1. Download and complete the Binding Beneficiary Nomination Form (CSCri).
  2. Print, sign and date in the presence of 2 witnesses (they must be non-beneficiaries).
  3. Have your 2 witnesses sign and date the form the same day to make it valid and avoid processing delays.

  4. Email or post it to us at:

     [email protected]

     GPO Box 2252, Canberra ACT 2601