As an ADF member, you get a salary and you may get allowances. You also get superannuation if you are a member of the:
Superannuation provides you with income in retirement.
Defence contributes each fortnight to your superannuation scheme.
You may have to contribute to your superannuation scheme. You may also choose to contribute. This depends on the scheme you join.
From 1 July, 2016, all new members belong to the ADF superannuation arrangement.
ADF Super is the default superannuation fund under this arrangement.
You can join ADF Super or another superannuation fund of your choice if you:
You can transfer to ADF Super or another superannuation fund of your choice if you are a member of MSBS.
You can't join ADF Super or another superannuation fund of your choice if you are a member of:
ADF Cover provides you with death and invalidity benefits if you are:
The Military Superannuation and Benefits Scheme (MSBS) provides you with:
This scheme is also known as MilitarySuper.
It closed to new members on 1 July 2016. It is still open to re-entrants who have a preserved MSBS employer benefit.
If you are a member of MSBS you can choose to transfer to ADF Super or another superannuation fund of your choice. You can transfer at any time.
If you were a member of MSBS and you didn’t take your employer benefit as a pension or lump sum, you must rejoin MSBS on re-entry. You can then choose to transfer to ADF Super or another superannuation fund of your choice.
You should talk to an independent financial adviser before you make any decisions.
The Defence Force Retirement and Death Benefits (DFRDB) scheme provides you with:
You can access your DFRDB benefit after you complete 20 years of service and retire from the ADF.
The DFRDB scheme closed to new members on 1 October 1991. It closed to re-entrants on 1 July 2016.
You can't get ADF superannuation if you are a member of the Reserves on Reserve service.
You can access your superannuation when you retire, as long as you meet certain conditions. Contact your superannuation fund to find out what these conditions are.
More information about ADF superannuation can be found in Chapter 2 Part 1 Division 3.
As the name suggests, this Member's Guide is designed as a guide to help you understand how your pay and conditions work. It is not a legal document. Therefore, if there is any conflict between the Member's Guide and Defence Determination 2016/19, Conditions of Service (and the Determinations made by the Defence Force Remuneration Tribunal), as compiled in PACMAN, PACMAN is the authority.
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