Why it matters
Five moments your BDBN and household paperwork must survive.
Death, divorce, medical emergency, bushfire, flood. Each one reveals whether your nomination is still binding, whether your household knows where the paperwork lives, and whether your family recovers in weeks or fights for months.
Scenario 01
Death & Estate
Super is not automatically part of your estate. It sits with the trustee, who then follows your BDBN if it's valid — or exercises discretion if it isn't. This is the moment STEADCALM was built for.
What the trustee does at day zero
- Confirms the member has died (usually via death certificate lodged by the family).
- Locates the most recent nomination on file.
- Checks whether it's still binding (signed within the last 3 years, valid witnesses, eligible dependants).
- If valid, pays according to the nomination. If not, the trustee decides — often over 6–12 months of contested claim assessment.
What your family gets from STEADCALM
- The Estate Brief PDF — a branded, paginated PDF of every fund, member number, death and TPD cover, BDBN status, nominated contact, insurer claim number and vault document, in one file for your solicitor.
- Signed BDBN copies in the Document Vault, ready to be given to the fund without a lost-form request.
- A Household register of your nominated contacts — relationship, access level and consent status — so the right person is known and pre-authorised before the moment arrives.
- Automated inner-circle notifications — configurable triggers fire in-app, email or SMS to the right contact based on their access rights the moment the estate stage advances, with a full audit log of who was notified, when and why.
What we don't do
We don't write your will. We don't grant probate. We don't act as your executor. We hand your solicitor and executor a clean, current picture — so they can do their jobs in weeks instead of months.
Scenario 02
Divorce & Separation
A divorce settlement can split the house, the accounts and the business. It doesn't automatically touch your super nomination. If your BDBN still names your ex-partner, that's who inherits — even years later.
The three things that break at separation
- The beneficiary. Ex-spouses often remain listed by name — and until you file a new BDBN, they remain binding.
- The percentage split. Kids' allocations often assumed a two-parent household. They rarely still do post-separation.
- The witnesses. Your ex might have been one of the original witnesses. That doesn't invalidate the old form, but it makes them a bad choice for the new one.
What STEADCALM does
- Records your separation date and former partner's name, then scans every recorded fund nomination and inner-circle contact for that name in the Separation toolkit.
- Generates a signature-ready, pre-filled binding nomination for every fund you select, with your updated split and SIS Reg 6.17A witness blocks — in one pack.
- Reminds you 47 days before each new nomination lapses, so life admin doesn't undo your fresh start.
- Removes every flagged former-partner contact from your inner circle in a single action.
Talk to a family lawyer
Interactions between super splitting orders, BDBNs and testamentary trusts are genuinely complex. STEADCALM gives you a clear picture and a signature-ready form. A family lawyer decides the split.
Scenario 03
Medical Emergency
A serious diagnosis or accident doesn't just interrupt work. It interrupts your ability to sign forms, update nominations and correct paperwork. The window to fix your BDBN is now — not from a hospital bed.
At the ER
- A printable Medical ID card (blood type, allergies, medications, conditions) generated from your profile — wallet-size and A4, with a QR code to your read-only record.
- Emergency contacts stored in your Household register, ready to be reached by your nominated inner circle.
- Advance care directive stored under its own vault category so the person handling your affairs can produce it on request.
In the weeks after
- Insurance claim documents (income protection, TPD, trauma) filed under a dedicated Insurance claims category, with insurer, policy and claim numbers in the claims directory.
- Enduring Power of Attorney on file, with state-by-state validity checks in the EPOA Tracker.
- Current BDBN accessible so your EPOA doesn't discover a lapsed nomination during a crisis.
Why we push you to fix the BDBN today
A binding nomination has to be signed by you, in front of two eligible witnesses. Nobody can sign one on your behalf — not your spouse, not your EPOA, not your solicitor. If you lose capacity with a lapsed BDBN, the trustee gets discretion. That's why we chase you 47 days out.
Scenario 04
Bushfire
You will not have time. You will not have a printer. If you're lucky you'll have your phone. STEADCALM keeps the paperwork your insurer, employer and super fund will ask for on the other side of an evacuation.
In the vault before the fire
- Home & contents insurance certificates of currency.
- Building plans and land title.
- Government IDs (driver's licence, passport, Medicare).
- Super fund member statements and current BDBN nominations.
- Room-by-room photos and serial numbers in the Home inventory, refreshed on a yearly prompt, before it burns.
In the first 48 hours after
- One-tap call to your insurer's claims line, with the policy and claim number on screen and the policy PDF in the vault.
- Digital copies of ID for temporary accommodation and Centrelink disaster payments.
- Estate Brief on hand if the worst has happened to someone in your household.
Why this connects to BDBN
Because life-defining events reveal life-defining paperwork. A household that took the time to sort their BDBN has usually also sorted the rest — and that's the household that recovers faster.
Scenario 05
Flood & Storm
Water ruins filing cabinets. Cyclones cut power for days. A soaked title deed and a dead router don't help you argue with an insurance assessor. STEADCALM stores what matters where water can't reach it and where you can retrieve it from a phone on 3G.
What we keep dry for you
- Title deeds, mortgage documents, strata records.
- Home, contents, flood and vehicle insurance policies.
- Room-by-room photos of every item and serial number, with a 12-month review prompt so you always have a recent “before”.
- An organisation directory for insurer, SES, local council, utilities and lender — policy numbers, claim numbers and after-hours lines.
Reachable from any device
Your vault lives in the cloud, encrypted at rest, and opens from any phone or laptop with a browser and a signal. For the moments the tower is down, the Offline Pack caches a signed snapshot of your Medical ID, emergency contacts, BDBN status and document index to your device — so the essentials keep opening with no coverage.
The link back to super
If someone in the household doesn't survive the event, the trustee will still ask for a valid BDBN. A soaked filing cabinet is not the moment to find out yours lapsed three years ago.