Death and disablement

Death benefits – who receives your benefit?

Your death benefit will normally be paid to one or more of your dependants or your legal personal representative. Click here for more information about Dependants

By making either a "binding nomination" or a "non-binding nomination" you can advise the Trustee how you would like a death benefit paid. You may nominate more than one person (beneficiary) to receive your death benefit.

If you have an income stream, you can nominate your spouse as a reversionary beneficiary. If you have a super account and an income stream account, a separate nomination is required for each account.

Binding nominations: If valid, this type of nomination obliges the Trustee to pay your death benefit to the person/s you have nominated, and in the proportions you nominate, subject to superannuation law. Click here for the form

Non-binding (preferred) nominations: If valid, this type of nomination informs the Trustee of the person(s) you would like to receive your death benefit. The Trustee will take into consideration your non-binding nomination, but it is not bound to follow it. Click here for the form

Disablement benefits – when do you qualify?

Terminal illness: You must be diagnosed with a terminal illness and meet certain conditions.

Total and Permanent Disablement: The insurer generally requires a waiting period of 6 months from the date of disablement before it will consider a member’s claim for TPD. 

Income protection: To be eligible for income protection payments you must be accepted by the insurer to be temporarily disabled or partially disabled and the waiting period you nominated has ended.

More information

For more information read the Product Disclosure Statement for your Division.