Nominating beneficiaries


Nominate your beneficiaries and help make sure your super goes where you want when you die.

There are two types of nominations – non-binding nominations and binding death nominations.

A non-binding nomination lets us know who you’d like to receive your benefits when you die, but isn’t binding.

A valid binding death nomination gives you more peace of mind knowing that, when you die, your hard-earned super benefit is distributed the way you want it to be among your dependants and or legal personal representative.

No matter what type of nomination you choose, it’s important to keep it up to date so your wishes are taken into account even if your circumstances change.

Who you can nominate

For a nomination to be valid, a beneficiary needs to be a dependant or your legal personal representative.

A dependant is:

  • a spouse (including legal or de facto spouse of the same or opposite sex. See the full definition of spouse),
  • a child or children,
  • someone in an interdependency relationship with you, or
  • someone financially dependent (in the opinion of the Trustee) on you.

Non-binding nominations

If you die, we’ll take your non-binding nomination (or nominations) into account, although this type of nomination isn’t binding.

Making a non-binding nomination

You may have made your non-binding nomination when you first became a UniSuper member and completed the application form for your type of membership.

If you didn’t, or would like to change your non-binding beneficiaries, you can update your details by:

Make a binding death nomination now

Binding death nominations

A valid binding death nomination requires us to pay your death benefit to the dependants you’ve nominated and or your estate, in the proportions you’ve stated. 

UniSuper offers two types of binding death benefit nominations; lapsing and non-lapsing.


A lapsing binding death benefit nomination expires after three years. To remain valid, you must confirm the nomination in writing every three years.


A non-lapsing binding death benefit nomination doesn’t expire (unless you amend or revoke it).

With both lapsing and non-lapsing binding death benefit nominations, it’s very important to review and update your nomination if your personal circumstances change.

A Will is not enough: Estate planning

“When I meet clients and broach the subject of nominating beneficiaries and estate planning, the standard response is, ‘We have a Will’.”

“Many of our clients are surprised to learn that estate planning encompasses so much more than Wills!” 

- UniSuper Financial Advice planner Adam McCarthy

You should consider making a valid binding death nomination if you want more control over what happens to your super benefit when you die. Talk to UniSuper Advice about your estate planning needs.

Binding death nominations expire every three years, so it’s important you keep them up to date.

Making a binding death benefit nomination

Making a binding death nomination is easy – just follow these four steps:

  1. Download our Binding death nomination form.
  2. Complete the form.
  3. Find two witnesses (they can’t be your nominated beneficiaries) and sign and date your form in front of them.
  4. Return the form to us.

Find out more about binding death nominations

For more on binding death nominations, including who you can nominate and other conditions:

No nomination

If you don’t nominate any beneficiaries and if you die, the UniSuper Trustee will decide who receives any lump sum super benefits that are payable.

The UniSuper Trustee has to pay your benefit to your dependants, or your legal personal representative, or both.

If you don’t have any dependants or legal personal representative when you die, the Trustee will pay your benefit to any other person it determines required by superannuation law.

It’s therefore important you keep your beneficiaries up to date, so we know what your wishes are.

Get advice

UniSuper Advice helps UniSuper members with more than just super. The UniSuper Advice team helps members navigate the financial side of important life events, like estate planning.

Talk to UniSuper Advice on 1800 UADVICE (1800 823 842) and see how they can help you.