Manage your insurance

Your options

Our default cover includes:

For more information on how to tailor, keep or cancel your insurance cover, see the Insurance Guide or contact our Member Services Team.

Nominate a beneficiary

When a person dies, the Trustee of the super fund will generally pay the super benefit to the member’s nominated beneficiary.

Your nomination can be a non-binding or a binding nomination.

For a binding nomination, you may nominate one or more dependants or your legal personal representative to receive your super.

If a deceased person did not make a nomination, the trustee of the Fund may:

• use their discretion to decide which dependant or dependants the death benefit is paid to
• make a payment to the deceased’s legal personal representative (executor of the deceased estate) for distribution according to the instructions in the deceased’s will.

If a non-binding nomination was made by the deceased, the trustee of the Fund may:

• use their discretion to pay in accordance with the non-binding nomination
• make a payment to the deceased’s legal personal representative (executor of the deceased estate) for distribution according to the instructions in the deceased’s will.

If you are about commence an account-based pension, you can also nominate a reversionary nomination. This means your nominee such as your spouse could continue to receive the pension payments after you die. This nomination must occur before your account-based pension commences.

How to nominate a beneficiary

If you wish to make a binding nomination, you must complete the binding nomination form. The form must be witnessed, and you must nominate a valid beneficiary. A valid beneficiary is a dependant of the deceased if at the time of their death you were:

• their spouse or de facto spouse
• a child of the deceased (any age)
• a person in an interdependency relationship with the deceased.

An interdependency relationship exists between two people if:

• they have a close personal relationship
• they live together
• one or each of them provides the other with financial support and
• one or each of them provides the other with domestic support and personal care.

If you wish to make a non-binding nomination, you can also complete the binding nomination form or you can provide your nomination via Member Access.

Lodge an insurance claim

To make any type of insurance claim contact our Member Services Team in the first instance. Our team will guide you through the process.