It’s our job to make sure a member’s money is paid to the right beneficiary when they pass away.

The Claim process

We manage the distribution of a death benefit with the member’s legal representative or directly with the beneficiary.

The first thing we need to start the claim is notification of our members' death with a certified copy of their death certificate.

It's straightforward from there on if we have a valid, binding nomination at the time of our member’s death. We find the beneficiary, and pay out the death benefit as a lump sum.

If our member hasn’t told us who they want to leave their super to, we’re responsible for finding the most appropriate recipient of their money.

We consider all claims on their own merits, according to superannuation law and our trust deed and rules.

You can learn more about making death claims by downloading our fact sheet below.

How to claim a death benefit


Notifying us of your claim - Australian Death Notification Service

Aware Super has partnered with the Australian Death Notification Service (ADNS) to help people notify multiple organisations that a loved one has passed.

Complete the notification via ADNS.

You will be asked for your details, as the notifier, and the details of the deceased. You can then choose which organisations you wish to notify, including Aware Super. The information you provide is sent to the selected organisations who will contact you to help you through the next steps.

Alternatively, you can contact us directly.

Need some assistance?

Please get in touch

Making a claim

As a potential beneficiary, you’ll need to provide us with the following in relation to the deceased member:

  • certified death certificate
  • proof of the member’s age and identity
  • certified copy of the member’s Will.

You’ll also be asked to provide the following:

  • Your ID
  • A certified copy of the Grant of Probate or Letters of Administration for the deceased estate, if there is one
  • A general information and statement of relationship form
  • A request to be considered in the distribution of a death benefit declaration, or a request not to be considered if you’re an entitled beneficiary who doesn’t want to make a claim.

These documents form the basis of our decision making.

If our member had death insurance with us, a claim will also be made with our insurer.

When a decision is made, and where required, we will inform all potential beneficiaries in writing and allow 28 days to respond and confirm if they agree with the decision. 

If any disagree with the decision, there will be an opportunity to make a formal objection. However, no money will be paid out until all issues have been resolved.

If we don’t hear back, the benefit will be paid out accordingly.


Taking out tax

If the beneficiary of the estate is a dependent under tax law, no tax is payable on the death benefit.

If the nominated beneficiary is not a dependent under tax law, the taxable component from a taxed source is taxed at 15%, and the taxable component from an untaxed source is taxed at 30%. Statutory levies may also apply.

If you’re unsure of your status or entitlements, our service centre is here to answer your questions.

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