Recent changes to our products
We’ve recently made changes to our products, including changes to fees and costs, investments, insurance arrangements and beneficiary nomination rules. The changes that apply to you depend on the type of CareSuper account you have.
From 16 October 2026, we will begin sending members a formal communication, known as a Significant Event Notice, detailing these changes. Please read the notice for your account to understand what's changed and what it means for you.
If you need help to understand how these changes might affect you, please contact us.
Find your significant event notice
You can find a copy of your notice(s) by logging in to Member Online or the CareSuper app.
We’ve also provided copies of the notices below. Choose the notice that matches your CareSuper account. If you have more than one type of account, we recommend that you read the notice for each account.
| Your account |
| Super Account |
| Transition to Retirement (TTR) Income account |
| Retirement Income and Term Allocated Pension accounts |
| Defined Benefit fund and Guaranteed Income accounts |
What changed?
The changes that apply to you will depend on the type of account you have. Your significant event notice contains the full details relevant to your account(s).
Fees and Costs
We updated information about amounts deducted from reserves and the investment fees and costs and transaction costs for our investment options. These fees change each year to reflect actual costs incurred in the previous financial year, as required by super regulations.
Investments
From 1 October 2026, we adjusted some investment option details, including risk information, asset allocations, and limits within the Direct Investment option (only available in super and Retirement Income accounts).
Insurance
We included information about insurance changes made from 1 April 2026 and clarified wording in the Total and permanent disablement definition in the Group Life Insurance Policy. This applies to our super accounts only.
Beneficiary nominations
From 1 October 2026, we changed some of the circumstances in which a binding beneficiary nomination may become invalid.
Do I need to do anything?
We understand that everyone’s circumstances are different, so please take some time to review these changes and consider whether they affect your account, investment choices, insurance cover and beneficiary nomination to make sure they continue to suit you.
And remember, we’re here to help if you’d like more information.
Frequently asked questions
You should consider whether your current investment choice continues to suit your objectives, financial situation and needs.
Find out more about our investment options.
We encourage you to review your investments in Member Online and seek advice if you need help.
It’s important to review your nomination whenever your circumstances change and make sure your nomination is valid and reflects your current wishes.
Find out more about nominating a beneficiary.
To access and manage your account online, you need to set up online access for Member Online using your CareSuper member number. You'll need to have your mobile number and/or email address registered on your account.
If you haven't accessed your account online before, you'll need to set your password first.
Having trouble? Here’s some answers to common issues.
We're here to help
Find all the ways you can contact us and the extra support options available.
You can also get super advice on your account if you need it.