Beneficiary nomination

Knowing who your super benefit will be paid to in the event of your death can give you peace of mind.

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Nominating a beneficiary is not mandatory, but it can help to provide peace of mind. 

There are two kinds of beneficiary nominations you can make—a binding or a non-binding nomination.

A binding nomination is used to nominate your preferred beneficiaries and we are bound to pay your benefit to the beneficiaries you have nominated. This kind of nomination provides you with greater certainty about who receives your benefit if you die. A binding nomination overrules any previous non-binding or binding nominations. A binding nomination will expire after three years. For it to remain valid, you need to renew your nomination before your nomination expires. We will send you a reminder 3 months before your beneficiary nomination expires, so please make sure your contact details are always up to date. You can renew your beneficiary nomination at any time through your online services account.

A non-binding nomination is used to nominate your preferred beneficiaries. Your nomination will not be binding on CSC, and will only be used as a guide when we determine who we pay your benefit to.
A non-binding nomination will not expire.

Non-binding nominations can be completed through your online services account, log into your account complete the non-binding beneficiary nomination form.


Nominating a beneficiary

How do I nominate a beneficiary?

Binding: Use our Beneficiary Nomination Form.

Non-binding: Use our Beneficiary Nomination Form, or nominate a beneficiary through your online services account.

Is CSC required to pay to nominated beneficiaries in all cases?

We are generally required to pay your benefit in accordance with the valid binding nomination form we receive from you, but there are exceptions to this.

We may not be required to pay a death benefit in accordance with a binding nomination if we are:

  • subject to a court order (such as a Family Court of Australia order) preventing payment of the benefit, or
  • aware you are subject to a court order that prohibits or restricts you from giving a binding nomination or requires you to amend or revoke such a nomination.

We are not required to pay your benefit in accordance with your non-binding nomination, but we use this as a guide to paying your benefit after your death.

What if there is a non-binding nomination, no nomination at all, or an expired / invalid binding nomination?

CSC may make a decision about paying your super benefit, notify all potential beneficiaries of the decision, and provide them with 28 days to object. This process is called ‘Claim Staking’, and is used in certain circumstances only.

Claim staking is the process where when a superannuation consumer dies the trustee provides information to identified potential beneficiaries about how the trustee proposes to distribute the death benefit. The potential beneficiaries are then able to object to the proposed distribution.

If there are no objections received from potential beneficiaries within 28 days of them being notified, the death benefit will be paid according to CSC’s decision. If an objection is received within the 28-day claim-staking period, the decision will need to be reconsidered by CSC.

Please note, no benefit will be paid to any party during the Claim Staking process.

Based on the information provided, CSC may or may not change its original decision regarding the distribution of the Death benefit.

If the complainant(s) does not agree with the final decision, they may be able to take their complaint to the Australian Financial Complaints Authority within the 28 days from the date they receive written notification of the final decision. If no Claim Staking is conducted (for example, in the event that the entire benefit is to be paid to your estate) the Death benefit will be paid as soon as possible after CSC’s decision is reached.

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