Your super doesn't automatically form part of your estate, and can't just be included in your Will, so it's important you let us know who you would like to receive your super if the worst should happen.

Your beneficiary options

For Accumulation and Income accounts
Binding nomination

A binding death benefit nomination lets you decide who will receive your super (and any insurance benefit you may have) in the event of your death.

You can nominate one or more of your dependants, or your legal personal representative. Your nomination will be valid for three years and your annual statement or Member Online account will show whether you currently have a valid nomination in place.

For more information, read the Binding Death Benefit Nomination fact sheet and form (pdf).

Nominate who gets your super

For Income accounts only
Reversionary beneficiaries

A reversionary beneficiary is someone who will receive the money in your Income account if you pass away. You can nominate one dependant to continue to receive regular income payments from your account or withdraw your money as a lump sum.

Your reversionary beneficiary nomination will be taken into account over any binding death benefit nomination you have in place.

You can change or nominate a reversionary beneficiary by logging into Member Online.

Nominate a reversionary beneficiary

Who can receive your super

There are rules about who you can nominate to receive your super. Generally, a super beneficiary is someone who is dependent on you at the time of your death.

A dependant can include:

  • Your spouse (including same-sex and de facto partners)
  • Your child1
  • Someone who is financially dependent on you
  • Someone who has an interdependent relationship with you, meaning:
    • You have a close personal relationship
    • You live together
    • One or each of you provides the other with financial and domestic support, and personal care.2

If you are making a binding death benefit nomination, you can also choose to nominate your legal personal representative (the executor of your Will) to receive your super and distribute it according to your Will.

father with two children

What else to consider

If you have not made a nomination at the time of your death, or your nomination is invalid or out-of-date, QSuper will generally pay your benefit to your dependant/s or legal personal representative.

If you have a State, Police or Parliamentary account, QSuper is required to automatically pay certain benefits to your spouse or eligible children. These requirements are part of QSuper's governing rules, and are taken into account over an otherwise valid binding death benefit nomination.

Preparing a Will is one of most important things you can do for those you leave behind. It outlines how you want your estate (also known as your assets or net worth) to be distributed when you pass away.

If you would like to leave your super to someone who is not a dependant (for example, your parents, siblings, or a charity), you can nominate your legal personal representative in your binding death benefit nomination and highlight in your Will who you would like your super to go to.

Remember it is likely you'll need to update your Will throughout your life as your circumstances change.

Wills, estate planning and superannuation are complex subjects so getting some professional guidance can help. As a QSuper member, you have access to financial advice from QInvest.3

Update my beneficiaries

Let us know who you would like to receive your super if the worst should happen.

Make a nomination

1. Within the meaning of the Family Law Act 1975. Can include adopted children, stepchildren and the children of your spouse. If you're nominating a child as a reversionary beneficiary, they must be less than 18 years old, between age 18-25 and financially dependent, or suffering from a permanent (or likely to be permanent) physical, intellectual or psychiatric disability.
2. Please refer to QSuper’s Death Benefit Claim Guide (pdf) for more information about Interdependency Relationships.
3. QInvest Limited (ABN 35 063 511 580, AFSL 238274) is a separate legal entity responsible for the financial services it provides. Advice fees may apply. Refer to the Financial Services Guide for more information.