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What happens to your super in divorce or separation
Divorce or separation is likely to affect your finances. And what happens with your super when dividing up your assets depends on your personal situation. So it’s important you understand how it works.
You don't always have to split your super in a divorce or separation, unless the court orders it. But
if one of you has more super than the other, it's something to consider. It will depend on your
The same applies to de facto couples after separation.
We recommend getting legal advice before making these decisions. A lawyer can advise you about your
rights, the pros and cons, and how the law applies to your situation. It's also a good idea to check
Moneysmart's list of free legal services.
Moneysmart also has a useful divorce and separation financial checklist. You can use it as a guide to
help you through the process.
You can split your super with a financial agreement or by getting a court order.
If you and your ex-partner agree on how your super will be divided, you can either:
If you can't agree on how to split your super, you can ask the courts to decide.
It usually takes 3 steps to split super if you or your ex has a QSuper account.
Find out how much you both have in super. Use our Family Law Declaration and
Request for Information form (pdf) for QSuper accounts, or the Family Court of
Australia Superannuation Information Kit for another super fund.
Prepare your property settlement. Consider getting legal
advice about dividing up your assets and debts. Find out more about what to do for your
super in our factsheet (pdf).
Send the settlement. Send a certified copy of your financial
agreement or a copy of your court order to the super fund/s, together with a Non-Member Spouse Information
Collection form (pdf) if it's a QSuper account.
Where to send your settlement documents
If you or your ex-partner have a Super Savings account with Australian Retirement Trust, check the
ART website for the right forms and information.
We don't charge fees for information about QSuper accounts or paying a super split. But some
super funds do. So it's worth asking them so that you can budget for it.
If your ex is with a self-managed super fund (SMSF), the steps to split their super may
be more complicated. So it's best to seek legal
You’ve separated and decided what to do with your super. So what’s next? Here are a few suggestions.
Let us know if you're changing your surname after divorce or separation. Here's how.
If you work for the Queensland Government, let your payroll
office know about your change of details, and they'll let us know.
If you work for another employer, please
Don’t have any of the above? Please contact us to talk about your options.
Please note we can't accept the ceremonial marriage certificate that you sign on the day of your wedding.
Are you worried about how much super you’ll now have for retirement? These tips may be useful.
To change your address and password, visit Member Online or contact us.
Update who your super should go to when you die in Member Online.
Check if you need more or less insurance with our Insurance Needs
Calculator. Or get financial advice.
You can cancel your ex's access to details about your super accounts by writing to us. And consider
changing your enduring power of attorney if you have one.
Get help to start planning for your new future. Advice about your super’s included in your membership.