​ሕግንና ደንብን በተመለከተ እርዳታ ማግኘት ይፈልጋሉን? - Amharic | هل تحتاج لمساعدة قانونية؟ - Arabic | ܤܢܝܼܩܵܐ ܝ݇ܘ̤ܬ ܠܗܲܝܵܪܬܵܐ ܩܵܢܘܿܢܵܝܬܵܐ؟ - Assyrian | Need Legal Help? - Auslan | Treba li vam pravna pomoc? - Bosnian | Burmese â Need Legal Help? | 需要法律帮助吗? - Chinese Simplified | 需要法律幫助嗎? - Chinese Traditional | Trebate li pravnu pomoć? - Croatian | ضرورت به کمک قانونی دارید؟ - Dari | Wïc Kuɔɔny në Wɛ̈t Löŋ? - Dinka | آیا به کمک حقوقی نیاز دارید؟ - Farsi | Gadreva na Veivuke Vakalawa? - Fijian | Kailangan ninyo ba ng tulong na panglegal? - Filipino | Besoin d’aide juridique ? - French | Χρειάζεστε βοήθεια σε νομικά ζητήματα - Greek | क्या आपको कानूनी सलाह चाहिए? - Hindi | Butuhkan Bantuan dalam Masalah Hukum? - Indonesian | Hai bisogno di assistenza legale? - Italian | ត្រូវការជំនួយលើបញ្ហាផ្លូវច្បាប់ឬទេ? - Khmer | 법적인 도움이 필요하십니까? - Korean | Ви треба ли помош со правни работи? - Macedonian | कानूनी सहयोग चाहिएको छ? - Nepalese | Necessita de ajuda com questões jurídicas? - Portuguese | Вам нужна юридическая помощь? - Russian | E Manaomia Fesoasoani i Mea Tau Tulafono? - Samoan | а ли вам треба помоћ у правним питањима? - Serbian | Ma u baahan tahay Caawimmad xagga sharciga ah?- Somali | ¿Necesita ayuda con cuestiones jurídicas? - Spanish | சட்ட உதவி தேவையா? - Tamil | ท่านต้องการความช่วยเหลือทางด้านกฎหมายไหม? - Thai | Fiema’u ha tokoni Fakalao? - Tongan | Yasal Danışmaya İhtiyacınız mı var? - Turkish | Cần Được Giúp Đỡ Về Luật Pháp? - Vietnamese |

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Disputes over superannuation 

    What is a death benefit?

    The 'death benefit' is made up of the money held in the superannuation account plus any insurance payout.

    Who is entitled to the death benefit?

    If the member made a 'binding nomination', the superannuation fund will pay the death benefit to the beneficiaries chosen by the member. A binding nomination allows a member to choose who they want their death benefit to be paid to. Binding nominations expire every three years unless updated by the member.

    If there was no binding nomination made by the member, the superannuation fund will make a decision to pay the 'death benefit' to either the:

    • dependent
    • interdependent, or
    • estate.

    A 'dependent' is the spouse, de facto partner (including same-sex partners), children (including adopted or step children) and any person who was financially supported by the deceased at the time of death.

    An 'interdependent' relationship is where the person and the deceased had a close personal relationship, lived together and provided financial support, domestic support or personal care to each other at the time of death.

    If the deceased did not make a binding nomination for the death benefit, the superannuation fund may decide to pay the benefit to the estate rather than to a dependent or interdependent. This means that the death benefit will form part of the deceased person's estate and the executor or administrator may need to apply for a grant.

    Before the superannuation fund pays the death benefit, the fund will take into consideration the relationship of the beneficiary with the member as well as the financial needs of the beneficiary. If the beneficiary is under 18 years old, the superannuation fund may decide to pay the death benefit to the parent or guardian who is caring for the child or NSW Trustee & Guardian to be held in trust until the child reaches the age of 18.

    ​​​​​Directions about superannuation in a will

    The superannuation death benefit does not automatically become part of a deceased person's estate which is distributed to beneficiaries according to a deceased person's will or the rules of intestacy.

    The superannuation fund is required by law to pay the death benefit to the dependants, interdependent or the estate if there is no binding nomination and to the nominated beneficiaries, if there is a binding nomination.

    For example, if the deceased person made a binding nomination of one child as beneficiary of the death benefit and also expressed in their will that the entire estate should go to another child, the superannuation fund will pay the death benefit according to the binding nomination, not the will.

    Complaints about a superannuation payment

    If the superannuation fund paid the death benefit to the wrong person or if you believe you are entitled to the death benefit then you must seek an internal review with the superannuation fund within 28 days of being notified.

    You should explain the reasons why you believe the decision made by the superannuation fund was wrong and also provide supporting documents to prove your relationship with and/or dependency on the deceased.

    If you are still not happy with the decision of the superannuation fund, then you may apply to the Superannuation Complaints Tribunal within 28 days.

    Icon - alert  Before you request an internal review, you should get legal advice to discuss your complaint.

    Icon - alert  If the deceased had a self-managed superannuation fund, you should get legal advice.

    Superannuation Complaints Tribunal

    The Superannuation Complaints Tribunal can handle complaints about regulated funds. The tribunal cannot deal with complaints about self-managed funds.

    Before you lodge a complaint with the Superannuation Complaints Tribunal, you should check the type of fund the deceased was a member of. If you are not sure, you should contact the fund and ask them.

    It is important that you try to resolve your dispute directly with the fund first before lodging your complaint with the Superannuation Complaints Tribunal.

    After you file your application and supporting documents with the Superannuation Complaints Tribunal, the tribunal will arrange a telephone conference with the parties to try to resolve the complaint by conciliation.

    If the complaint cannot be resolved, the tribunal will consider the written evidence of the parties at a review meeting. The tribunal will inform the parties of the decision in writing.

    Icon - alert  You may appeal the decision of the tribunal to the Federal Court within 28 days of the decision, on limited grounds. Before lodging an appeal, you should get legal advice.

    For more information or to lodge a complaint, go to the Superannuation Complaints Tribunal website. ​