Super doesn’t pause during life’s big moments. Whether you’re separating from a partner, welcoming a baby, changing jobs, or planning your estate, super plays an important role — and the rules are different from other assets. These guides explain how super works across Australia’s most common life events.
Life Events and Super
Relationship Breakdown
- Super and Divorce — How Is Superannuation Split? — Super is treated as property under the Family Law Act. This guide covers flagging orders, splitting orders, payment splits, and what to do
- Binding Death Benefit Nomination — Protect Who Gets Your Super — Ensure your super goes to the right person. Lapsing vs non-lapsing, who can be nominated, and why a BDBN matters
Death and Estate Planning
- Death Benefits — Who Gets Your Super When You Die? — Super does not automatically form part of your estate. Trustee discretion, binding nominations, and tax on super paid to non-dependants
- Binding Death Benefit Nomination Explained — How to control where your super goes and avoid trustee discretion
Family and Work
- Super on Parental Leave Australia — Government-funded PPL now includes super (from 1 July 2025). What it means for new parents and employer obligations
- Super When Changing Jobs — What to Do — Stapled fund rules, checking insurance, ensuring contributions don’t fall through the cracks
For legal or financial advice tailored to your situation, speak with a licensed financial adviser or solicitor. You can find a financial adviser through MoneySmart.