Many people think that their super balance is an asset that becomes part of their estate when they die. But this isn’t always the case!

Super benefits are treated separately from your other assets and do not automatically go to your estate in the event of your death.

As a result, First Super has to follow super and tax laws to decide who is eligible to receive the super and any insurance payments (i.e. your beneficiaries).

Look after the people you love and care about by completing a Nomination of Beneficiary Form to let First Super know who you want to receive your super balance and any insurance benefits should you pass away.


You can leave your super death benefits to one or more dependants, or your legal personal representative (the executor of your will or the administrator of your estate).

A dependant is generally a child, spouse (including a de facto or same sex spouse) or a person with whom you have an interdependency relationship.

Two people may have an interdependency relationship if:

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

You can nominate more than one person to receive a share of your benefits – you just need to specify the percentage of your benefit that you would like each person to receive.


You have the option of two types of nomination:

  • a Binding Nomination, or
  • a Non-Binding Nomination.

Non-Binding nominations

A Non-Binding Nomination is a request for the Trustee to pay your benefit in a certain way in the event of your death. It is not legally binding, but the choice you have expressed is taken into account.

The Trustee must follow the law in working out who should receive a death benefit. Your benefit will be paid to those considered to be financially dependent on you and, in some cases, this may not be the person or people nominated.

Binding nominations

A Binding Nomination is an instruction to the Trustee about who is to receive your benefit in the event of your death. The Trustee is bound by law to follow this instruction, provided that the nomination is legally valid at the time of your death and the person(s) nominated qualify for payment under the law when the benefit is paid.

A Binding Death Benefit nomination is valid for three years, therefore a new nomination must be made and returned to First Super every 3 years.

  • A Binding Nomination must be signed by two witnesses who are at least 18 years old and are not named as beneficiaries.
  • The form is invalid if not received by the Trustee before your death.
  • Only your dependants or legal personal representative can be nominated to receive a share of a Death benefit. Whether or not a person is eligible to receive part of your Death benefit is determined at the date of your death.
  • Your Binding Nomination will cease to have effect if you subsequently marry, remarry or divorce. You can amend or revoke a Binding Nomination at any time by sending a new nomination form.
  • If a person you have nominated dies before you or is not eligible to receive a share of your Death benefit, that person’s part will be distributed equally among the surviving nominated dependants and/or legal personal representative.
  • If you do not provide all details requested in this form or if it is not properly witnessed, then First Super considers it a Non-Binding Nomination.
  • If you fail to properly and clearly specify the percentage (%) of your benefit payable to each person, it will be distributed equally among those persons nominated who are eligible to receive a benefit, providing the Nomination Form was otherwise valid.


It’s easy to let First Super know who you want to receive your benefits in the event of your death.

If you are making a Non-Binding Nomination, you can either mail or email the Nomination of Beneficiary Form back to First Super using the following details:

First Super, PO BOX 666, Carlton South VIC 3053

You can also make, change or cancel a Non-Binding Nomination at any time using the firstonline member portal.

  • In the top navigation, go to “My Details”.
  • Then select “Beneficiaries”.
  • Then click the “UPDATE NON-BINDING BENEFICIARIES” button.

If you wish to make or amend a Binding Nomination, the signed and witnessed Nomination of Beneficiary Form must be sent back to the First Super by mail only for processing at this address:

First Super, PO BOX 666, Carlton South VIC 3053.

This is a sponsored advertising promotion by First Super Pty Limited (ABN 42 053 498 472, AFSL 223988) as trustee of First Super (ABN 56 286 625 181).  This publication may contain general advice which has been prepared without taking into account your objectives, financial situation or needs. You should consult the Product Disclosure Statement (PDS) before making any investment decision. Before making a decision to combine your superannuation, you should consider any costs, change to insurance cover or loss of benefits that may apply and, if necessary, consult a qualified financial adviser. Past returns are not a reliable indicator of future returns. Content was accurate at the date of issue in July 2020, but may subsequently change. Please contact First Super on 1300 360 988 for updated information or to obtain a copy of the PDS. No commissions or fees are paid to NZ Relo as part of this promotion, apart from advertising costs.


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