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Nominate a beneficiary

Nominate a beneficiary

We know this isn’t a topic you want to talk about. Let’s be honest, no one really wants to talk about their death.

However, if it does happen, we want to make sure that you know all the details, and that your money goes to the right person.

So, here’s all the info you need on beneficiaries

A beneficiary is someone you nominate to receive your account balance and any insurance benefit, AKA ‘death benefit’, in the event of your death. At Child Care Super, you can choose someone to be a non-binding OR a binding nomination. There’s a couple of differences between the two.

Non-binding nomination

This is the person (or people) that you’d prefer your death benefit to be paid to. This isn’t binding to the trustee, meaning the trustee will still decide who receives your account balance and any insurance benefit. They’ll consider your nomination, your circumstances (for example, any dependants you might have) and relevant laws at the time of your death.

Just so you know, a non-binding nomination doesn’t expire unless you change or revoke it.

Binding nomination

Usually, this person (or people) will receive your death benefit from the trustee. There are some exceptions to this, such as if your nomination is expired or it becomes invalid for any reason.

A binding nomination has to be updated every three years. We’ll send you a reminder two months before the expiry date, but you can make changes to it at any time by submitting a new binding nomination.

How to nominate or revoke a beneficiary

Nominating a beneficiary is super simple.

You can nominate or revoke a non-binding beneficiary at any time by logging into your online account, via our mobile app or by calling our Member Services Team on 1800 060 215. 

To nominate a binding beneficiary, download and complete the Death Benefit Nomination Form.

To revoke your binding death benefit nomination, complete the Change of Details Form.

Who can you nominate?

You can select anyone from

  • your spouse or de facto partner (including same-sex partners)

  • your children, including adopted children, stepchildren and ex-nuptial children

  • someone you’re in an interdependent relationship with

  • someone financially dependent on you

  • your estate or Legal Personal Representative

Don’t forget to update your nomination if your circumstances change, for example, if you divorce or have children.
The law does NOT permit you to nominate your parents simply because they are your parents.

What happens if you don’t make a nomination?

Look, we know this decision can be difficult. So, if you choose not to nominate a beneficiary, the trustee of Child Care Super will pay your benefit to your dependants or your estate for distribution according to your will.

Page last updated 1 December 2023