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Nominate Beneficiaries
Your super, unlike other assets, isn’t considered part of your estate. This means it (as well as any linked insurance cover) doesn’t automatically get distributed according to your Will.
To ensure you have peace of mind that your wishes are met should you pass away, it’s important to make a valid beneficiary nomination to let us know how you’d like your super to be distributed.
There are two types of nominations you can make:
- Non-binding – tells the trustee of the super fund who you’d like to receive your super, however it is not legally binding. While your nomination will be considered, the trustee must follow the law in working out who should receive a death benefit. In some cases this may not be the person you nominated. This nomination doesn’t have an expiry date.
From 1 July 2026 you'll no longer be able to add or edit a non-binding nomination. You can make a binding nomination by completing the binding beneficiary nomination form.
- Binding – is legally binding and requires the trustee of the super fund to pay your super to the person or people you nominate.
You can nominate a binding beneficiary by completing the binding beneficiary nomination form and posting it, together with certified proof of identity, to Mercer Super Trust, GPO BOX 4303, Melbourne, VIC 3001.
If you are a Mercer SmartRetirement Income pension account holder, you can nominate a reversionary beneficiary, or change or revoke your existing reversionary beneficiary nomination, at any time.
A reversionary nomination can be provided to us by completing a valid reversionary death benefit nomination form.
Making or updating a reversionary beneficiary nomination may affect Centrelink entitlements and may have tax implications. A financial adviser or Centrelink will be able to provide you the appropriate advice prior to choosing this option.
For further information on beneficiaries, please see our dedicated webpage.
| Your named beneficiary | Relationship to you | % of your benefit | Expiry Date |
|---|---|---|---|
| + Add more | |||
| Total | 100% | ||
By clicking submit, I confirm that I have, read, understood and agreed to the Important Information and wish to update my preferred beneficiaries.
I consent to my information being collected, disclosed and used in the manner set out in our Privacy Policy.