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Picture Book · Downsizing and estate

Tax on super you leave behind

Story pages

A man in his sixties with his wife on a park bench
Meet Ken. He wants his super to go to his wife, Lou, and then their two grown-up kids.
A family of grandparents
For tax, dependants include a spouse, a child under 18, someone financially dependent on you, or someone in an interdependency relationship.
A woman in her sixties sitting quietly in a garden with a cup of tea
A dependant pays no tax on the taxable component of a lump sum death benefit.
Two adult siblings in their thirties talking at a kitchen bench
Adult children who weren't financially dependent can only receive it as a lump sum.
A bucket of water with a small leak
On the taxable component, they can pay up to 15% plus the Medicare levy on the taxed element, and up to 30% plus the levy on any untaxed element.
A man in his sixties and his wife smiling across a table from a friendly adviser in a bright office
Ken talks it through with an adviser, so his plan works for the people he loves.

The end

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General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 27 October 2026. Sources:

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