{"id":15751,"date":"2021-06-22T13:18:34","date_gmt":"2021-06-22T03:18:34","guid":{"rendered":"https:\/\/www.prosolution.com.au\/?p=15751"},"modified":"2021-06-22T14:04:51","modified_gmt":"2021-06-22T04:04:51","slug":"super-death-benefit-nomination","status":"publish","type":"post","link":"https:\/\/wealthcoach.com.au\/stage\/super-death-benefit-nomination\/","title":{"rendered":"How to ensure your superannuation will be paid to your intended beneficiary"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"250\" data-attachment-id=\"15750\" data-permalink=\"https:\/\/wealthcoach.com.au\/stage\/super-death-benefit-nomination-pitfalls-email-1\/\" data-orig-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/06\/Super-death-benefit-nomination-pitfalls-email-1.png?fit=1000%2C250&amp;ssl=1\" data-orig-size=\"1000,250\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Super death benefit nomination pitfalls &#8211; email (1)\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/06\/Super-death-benefit-nomination-pitfalls-email-1.png?fit=300%2C75&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/06\/Super-death-benefit-nomination-pitfalls-email-1.png?fit=1000%2C250&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/06\/Super-death-benefit-nomination-pitfalls-email-1.png?resize=1000%2C250&#038;ssl=1\" alt=\"super death benefit nomination\" class=\"wp-image-15750\" srcset=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/06\/Super-death-benefit-nomination-pitfalls-email-1.png?w=1000&amp;ssl=1 1000w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/06\/Super-death-benefit-nomination-pitfalls-email-1.png?resize=300%2C75&amp;ssl=1 300w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/06\/Super-death-benefit-nomination-pitfalls-email-1.png?resize=768%2C192&amp;ssl=1 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Twenty-three-year-old, Ashleigh Petrie nominated her mother as the sole beneficiary of her super. However, Ashleigh\u2019s 63-year-old fianc\u00e9 was successful in claiming her full super balance after she died in a car accident. Ashleigh was in a relationship with her fianc\u00e9, Rodney Higgins for only 7 months (living together for four of them). <a href=\"https:\/\/www.theage.com.au\/national\/victoria\/magistrate-who-had-relationship-with-young-court-clerk-wins-her-super-benefit-20210616-p581hg.html\" target=\"_blank\" rel=\"noreferrer noopener\">This story<\/a> highlights the pitfalls and limitations to super fund death benefit nominations.<\/p>\n\n\n\n<iframe loading=\"lazy\" src=\"https:\/\/webplayer.whooshkaa.com\/episode\/843148?theme=light&#038;enable-volume=true&#038;iframe-height=190\" height=\"190\" width=\"100%\" scrolling=\"no\" frameborder=\"0\" allow=\"autoplay\"><\/iframe>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-superannuation-doesn-t-form-part-of-your-will\">Superannuation doesn\u2019t form part of your will<\/h3>\n\n\n\n<p>A super fund is a type of <a href=\"https:\/\/wealthcoach.com.au\/stage\/family-trusts-webinar\/\" target=\"_blank\" rel=\"noreferrer noopener\">trust<\/a>. That means that no one has entitlement to any super funds until the trustee makes an election to distribute monies i.e. pay a super benefit. As such, superannuation does not (initially) form part of your estate and therefore is not covered by your Will.<\/p>\n\n\n\n<p>The trustee of your super fund must decide who is entitled to your super balance including any life insurance benefits (if the policy is held inside super). &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-different-types-of-nominations\">Different types of nominations<\/h3>\n\n\n\n<p>There are two types of death benefit nominations:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-binding-nominations\">Binding nominations<\/h4>\n\n\n\n<p>As the name suggests, trustees are bound to follow the superannuant\u2019s instructions as long as they comply with the super laws (SIS Act). Binding nominations can either be \u2018lapsing\u2019 or \u2018non-lapsing\u2019. Lapsing nominations are valid for up to three years but can be changed at any time. However, a lapsing nomination cannot be updated if the superannuant loses capacity (although their attorney may be able to update it).<\/p>\n\n\n\n<p>Non-lapsing nominations do not need to be updated each year and therefor can offer a greater level of certainty for succession planning.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-non-binding-nominations\">Non-binding nominations<\/h4>\n\n\n\n<p>Non-binding nominations provide guidance to the trustee as to how to pay a death benefit. However, ultimately, the trustee still has discretion as to who to pay a benefit to.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-reversionary-nominations\">Reversionary nominations<\/h4>\n\n\n\n<p>If a person\u2019s super is in pension phase, some super funds allow reversionary nominations. A reversionary nomination instructs the fund to continue paying a super pension to their nominated beneficiary such as their surviving spouse. Reversionary nominations offer&nbsp; few financial planning advantages.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-who-can-you-nominate\">Who can you nominate?<\/h3>\n\n\n\n<p>According to the super laws (SIS Act), super must be paid to your dependent\/s. If you do not have any dependents, your super must then be paid to your <em>Personal Legal Representative<\/em> which is the executor (or administrator if you don\u2019t have a will) of your estate. That is, super will then form part of the assets of your estate and will be dealt with according to your Will.<\/p>\n\n\n\n<p>The super laws define a dependent to include (1) spouse including de facto relationships and same-sexual partners, (2) children of any age including step and\/or adopted children or anyone deemed to be a child of the member under family law and\/or (3) a person that was in an interdependent relationship with the member (which involves cohabitating with the member and one or both persons provide financial and domestic support).<\/p>\n\n\n\n<p>If the superannuant doesn\u2019t have any dependents, the super benefit must be paid into the deceased\u2019s estate (<em>Personal Legal Representative<\/em>) and they will be distributed according to their Will. If they don\u2019t have a will, then benefits will be distributed according to the succession laws in that jurisdiction.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-who-should-you-nominate\">Who should you nominate?<\/h3>\n\n\n\n<p>A super benefit paid to a financial dependent will be received completely tax-free. It is important to note that a financial dependant must meet the Income Tax Act definition to avoid any tax. This differs from the super law definition.<\/p>\n\n\n\n<p>According to tax law, a dependent is defined as a current or former spouse, a child under 18 years, anyone in an interdependent relationships or any person that was financially dependent on the deceased prior to death.<\/p>\n\n\n\n<p>Therefore, to avoid a super benefit payment being taxed, generally, we advise our clients to nominate a financial beneficiary. Most people nominate their spouse.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-are-benefit-payments-taxed-otherwise\">How are benefit payments taxed otherwise?<\/h3>\n\n\n\n<p>If super is paid to a non-beneficiary, any tax liability is deducted by the estate before the payment is made to the beneficiary. The amount of tax depends on the benefits components:<\/p>\n\n\n\n<ul><li><strong>Tax free.<\/strong> This is usually the portion that has accumulated because of non-concessional contributions made after 30 June 2007. This component does not attract any tax.<\/li><li><strong>Taxable \u2013 taxed element.<\/strong> This element is usually accumulated because of making concessional contributions including employer contributions. This balance is taxed at a flat rate of 15%.<\/li><li><strong>Taxable \u2013 untaxed element.<\/strong> This element includes income or earnings which the super fund has not paid any tax on. This element is taxed at a flat rate of 30%.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-when-can-things-go-wrong\">When can things go wrong\u2026<\/h3>\n\n\n\n<p>Returning to Ashleigh Petrie\u2019s example which I cited at the beginning of this blog, it might now be obvious why her super fund paid the benefit to her fianc\u00e9. The reason was that her mother did not meet the definition of a dependent whereas her fianc\u00e9 did. What she should have done is nominated her <em>Personal Legal Representative<\/em> i.e. her estate. Her (valid) Will could have nominated her mother as the sole beneficiary and her wishes would have been carried out.<\/p>\n\n\n\n<p>Care should be taken when completing super benefit nominations. You should make sure they are completed correctly, up-to-date and adequately witnessed (usually by two adults that are not beneficiaries).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-smsf-s-offer-some-advantages-here\">SMSF\u2019s offer some advantages here<\/h3>\n\n\n\n<p>Self Managed Super Fund death benefit nominations offer some advantages.<\/p>\n\n\n\n<p>Firstly, they do not lapse after three years.<\/p>\n\n\n\n<p>Secondly, they do not have to comply with the super dependency laws, as long as the SMSF Deed doesn\u2019t specifically require it. This means that a SMSF member may complete a binding death benefit nomination, nominate a non-dependent and the trustee is obligated to follow those instructions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-check-your-super-benefit-nominations-this-week\">Check your super benefit nominations this week<\/h3>\n\n\n\n<p>Unfortunately, non-existent or inadequate super death benefit nominations are not uncommon. Once you know what you are doing, they are usually easy to check and update if necessary. I suggest you check that your nominations are current and accurate this week. Most super funds allow you to do that online but you\u2019ll need to complete a paper form if you need to complete a new nomination.<\/p>\n   ","protected":false},"excerpt":{"rendered":"<p>Twenty-three-year-old, Ashleigh Petrie nominated her mother as the sole beneficiary of her super. However, Ashleigh\u2019s 63-year-old fianc\u00e9 was successful in claiming her full super balance after she died in a&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"__cvm_playback_settings":[],"__cvm_video_id":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"footnotes":""},"categories":[3934],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v21.9.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ensure super paid to intended beneficiary: Super Death Benefit Nomination<\/title>\n<meta name=\"description\" content=\"It is critical to complete your Super Death Benefit Nomination correctly as super is not included in your estate. 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