What Happens to Your Australian Superannuation Account When You Die
Quick Facts
Type
Retirement savings fund
Distribution
Beneficiary nomination controls
Action
Contact the fund immediately
Step-by-Step Guide
Identify all super funds
Check myGov for linked super funds. The deceased may have multiple super accounts. Use the ATO's Super Fund Lookup tool or check past employer records.
Contact each super fund trustee
Notify each superannuation fund of the death. Provide the death certificate and proof of your authority. Ask whether a binding or non-binding death benefit nomination is on file.
Determine beneficiary nomination type
A binding nomination directs the trustee to pay specific beneficiaries. A non-binding nomination is only a guide — the trustee decides. If no nomination exists, the trustee has full discretion.
Claim death benefit
Eligible dependants (spouse, children, financial dependants) can receive the benefit as a lump sum or income stream. Tax treatment varies based on the recipient's relationship and age.
Check for life insurance within super
Many super funds include default life insurance (death cover) and TPD insurance. Claim these separately from the super balance — they can be substantial.
Document Now Checklist
- Super fund names and member numbers
- Binding nomination details
- Approximate super balances
- Life insurance within super details
- Super fund contact numbers
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Start your vault — free for 30 daysLast verified: June 2026. Platform policies may change. Verify current procedures directly with Australian Superannuation. This guide is for informational purposes only and does not constitute legal advice.
Related Guides
Social Security
Social Security must be notified of death immediately. Benefits paid after death must be returned. Survivor benefits may be available.
IRS / Tax Returns
A final individual tax return must be filed for the year of death. Estates over $13.61M may owe federal estate tax.
Veterans Affairs (VA)
Veterans are entitled to burial benefits, a headstone or marker, a burial flag, and Presidential Memorial Certificate — all at no cost.
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