What happens to your KiwiSaver money if you die?Australians might be being warned to make sure they've organised who will get their superannuation savings when they die - but New Zealanders don't have as much to worry about.ABC reported this week that 15.5 million Australians might not have made a binding death nomination for their superannuation accounts, to direct their fund on who to pay the money to.In Australia, superannuation does not automatically become part of a person's estate if they die.In New Zealand, the situation was quite different - and simpler.KiwiSaver formed part of a person's estate when they died and became another asset that was dealt with by their will if they had one."New Zealanders don't generally need the equivalent of Australia's binding death benefit nomination to make sure their KiwiSaver follows their estate wishes," Pie Funds chief executive Ana-Marie Lockyer said."There are still good reasons to have an up-to-date will and make things easy for your executor, but there isn't the same additional layer of superannuation estate planning that Australians face."If they did not have a will, there were rules that determined how the estate was distributed.If they had a spouse or partner and children, the spouse or partner would get all personal possessions, $155,000 and a third of anything remaining. The other two-thirds would be divided among the children.Kernel founder Dean Anderson said the main thing for New Zealanders to be aware of was that the limit at which probate was required had increased.It was now the case that most estates under $40,000 could be handled without the need to apply to the court.It was increased from $15,000 because many KiwiSaver balances had grown past that level.Sign up for Money with Susan Edmunds, a weekly newsletter covering all the things that affect how we make and spend money