Mercer Super | Beneficiaries


Ideally your super savings will last you for the rest of your life, once you retire. Some of your savings may even outlive you. That’s why you need to let us know who you want your money to go to. 

It’s important to also know that even though you may have a will, your super is not generally covered. Assets like a house, car, investments or savings are held under your name and are part of your estate. Your super, on the other hand, is held for you in a trust by the trustee of your super fund. The trustee decides how your super benefits are paid when you die, and will look to your nominated beneficiaries when making this decision.

You have two options when deciding what happens to your super when you pass away.

1. Binding nomination

You provide Mercer Super with formal written instructions, telling us who you want your super balance paid to. We must pay your benefit to the people you have nominated (as long as the nomination is valid and in effect at the time of your death). Your legally binding nomination will be valid from the date we accept it, and will expire three years from the date the form is signed.

You can set up or change your binding nomination by completing a valid Binding death benefit nomination form. 

2. Non-binding nomination

You nominate who you’d prefer your super balance to be paid to. Your nomination is not binding but we’ll use it as a guide when deciding who will receive your super.  A non-binding nomination remains valid until you change it. Remember to keep your nomination updated as your circumstances change.

You can make a non binding beneficiaries nomination online at

If you don’t nominate someone, we will follow relevant laws to decide who receives your money; either one or more of your dependants or to your legal personal representative.

Who you can nominate

Your dependents can be:

Your spouse or partner

Your husband or wife or another person (including same gender) although not legally married to you, who lives with you on a genuine domestic basis in a relationship as a couple.

Your children

Your children or adopted children, a step-child or ex-nuptial child, your spouse’s child or a child within the meaning of the Family Law Act 1975.


Someone with whom you have a close personal relationship and live together; one or each of you must provide the other with financial support, or domestic support and personal care. 

An interdependency relationship will also exist between two people if they have a close personal relationship and either or both of them suffer from a physical, intellectual or psychiatric disability and due to that disability you cannot meet the other interdependency criteria.

Other financial dependants

People wholly or partially dependent on you at the time you pass away.

Your legal personal representative

Your legal personal representative is the person you nominate to be executor of your will or the administrator of your estate. Any amounts paid to your legal personal representative would be distributed according to your will (or if you don’t have a will, according to the laws of the State where you lived when you die).  

Tax considerations

There may be tax consequences if your super benefit is paid to a non-dependant, so we suggest you seek advice from a licensed or appropriately authorised, financial adviser. 

Make an appointment with an advisor to find out more.

Binding nomination

Set up or change your binding nomination

Download form

Non-binding nomination

Make a non-binding nomination

Log in now

Need advice?

Make an appointment with an adviser to find out more

Speak to an adviser
Contact Mercer Super AU for all of your superannuation and financial planning queries.
Call us: 1800 682 525, +61 3 8306 0900

Pension: 1800 671 369, +61 3 8306 0906

8am - 7pm (AEST/AEDT), Monday - Friday

Mercer Super Australia has offices in Melbourne, Glen Waverley, Sydney, Paramatta, Canberra, Brisbane, Adelaide and Perth.

Write to us: Mercer Super Trust
GPO BOX 4303, Melbourne VIC 3001