I had no idea where my lost super was or the names of the funds. I just new it was scattered everywhere and I should definitely have more than $3,000 in my super. Australian Super Finder found all 7 of my funds and now my balance is almost $50,000. Thank you so much for getting my super back on track. ? Leonie, Thomastown VIC

Super Benefits

Military Super Death Benefits

If you die while you're still a contributor to one of the military superannuation schemes, the people who depend on your financially will be eligible to receive a death benefit.

The Super Death Benefit Requirements

Your spouse must have been your spouse for at least three years before your death. If you are together for a shorter time than that, the board of the superannuation corporation, the trustee of the superannuation schemes, must decide if your spouse may receive your benefits. In the absence of a spouse of children, your death benefit will go to your estate.

If you're a member of MilitarySuper and die while on continuous full-time service, your eligible dependents will be able to receive your member benefits lump sum in addition to your employer benefit. Your employer benefit will calculate it based on the assumption that you continue to serve right through the compulsory retiring age for your rank.

For example, if you joined the ADF at age 21, died at age 30, and mandatory age for your rank is age 60, your employer benefit will be calculated based on 39 years of service. Your spouse can choose to take the employer benefit a:
• lump sum
• indexed pension
• split between two with at least 50% of the lump sum being received as a pension

If the pension option is taken, the rate of the pension will be 67% of the class A invalidity pension. The pension will increase if there are eligible children that are by 11% for one child, 22% for two children, and 33% of three or more. Once the decision is made on how the death benefit is taken, it can't be changed.

Often children can receive over 45% of the invalidity pension for one child, 80% for two children and a hundred percent of four or more children. If you had no spouse and no children, then you benefits will be paid to your estate.

If you have not spouse or children but have one or more people who are financially dependent on you, and you've notified the DAC in writing to this effect, and made provisions for such people in your work, then the benefit is payable as a lump sum to them. However if you want the benefit to go to other dependents for whom you have made provisions for your work, you should notify the CSC of your wishes.

If you die while on service your spouse will be able to receive 67% of the amount you will be receiving at the time of your death, plus an additional 11% for each child and up to 33% for more. In the absent of a spouse, dependent children will be eligible for the benefits they would have received if you die while serving.

For more information on military super death benefits, read our articles at www.australiansuperfinder.com.au

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