Death claims

We know that the loss of a loved one is an emotional and extremely difficult time. We are here to help you through the process of making a Death claim for your loved one's super and insurance benefits.

What is a Death claim?

When you submit a Death claim, you are requesting the Death benefit of the Australian Retirement Trust member who passed away. A member’s Death benefit includes their superannuation account balance. Where the member who passed away had active Death Insurance cover at the time of their passing, the Death Insurance cover also forms part of their Death benefit.

How to make a Death claim?

If you believe you may be eligible to claim as a beneficiary of a deceased Australian Retirement Trust member, there are three steps that you need to complete to submit a Death claim.

1. Contact us on 13 11 84

We're here to help at no cost to you. So start by contacting us. One of our experienced Claims Representatives will guide you through the process of making a Death claim.

The Claims Representative will:

confirm the details of the Australian Retirement Trust member who has passed away, including their member number, date of birth and date of death,
explain the information you need to provide for the claim to be assessed, and
provide any claim forms (known as a ‘claims pack’) that you need to complete

We will begin the Death claim process as soon as we are advised of the deceased Australian Retirement Trust member’s date of death; however, we also need some necessary information and completed forms for a claim to be assessed.

2. Provide necessary information

There is some necessary information that we require. This includes completed Death claim forms as well as:

A certified copy of proof of age of the deceased member such as:

Drivers licence,
Passport,
Proof of age card, or
Birth certificate.

And a certified copy of one of the following documents:

Death certificate,
Coroner’s report,
Autopsy report,
Birth certificate.
A medical certificate of death, completed by a registered medical practitioner.

The claims pack we will send you contains important information about what you need to do, and what we need from you. Please take some time to carefully read this and gather all the information and complete the documents required.

3. Provide notification

Once you have obtained the necessary information and completed the Death claim forms, return these to Australian Retirement Trust. This is your notification to us of the member’s death so we can assess the Death claim.

At a time when you have lost a loved one, we recognise that these steps may be emotional and daunting. Our Claims Representatives are here to help you and answer any questions you may have at any step.

What happens next?

Once our Claims Representatives receive notification of death they will switch the deceased member’s investment options into Australian Retirement Trust’s Super Savings Cash investment option¹. (This will normally occur within five business days of notification.)

The Australian Retirement Trust Trustee and our Insurer will assess the claim based on the Death claim forms. You can find more information about the claims pack and the Death claim assessment process, including frequently asked questions, in the Super Savings Insurance Claims guide - Death.

¹Australian Retirement Trust's Super Savings Cash investment option is a relatively stable investment option subject to small fluctuations in returns.

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