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Defence Community Organisation

For ADF members and their families

1800 624 608

Civilian superannuation

When you leave the ADF, you will need to choose a civilian superannuation (super) provider for your employer to make contributions into.

If you’re an employee, you are typically entitled to compulsory super contributions from your employer. From 1 July 2014, these super guarantee contributions must be at least 9.5% of your ordinary earnings, up to the ‘maximum contribution base’.

If you are a contractor or self-employed, you may also be entitled to super.

You should provide your tax file number (TFN) to your employer and/or super fund. If you don’t, your super fund may take extra tax out of your super contributions and will not be able to accept any non-employer contributions.

You can choose between a super fund that manages your super for you or you can set up your own self-managed super fund (SMSF).

The Australian Tax Office has more information on Super, including how to keep track of your super, growing you super, accessing super and tax on super.