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Pay and Conditions

ADF Member's Guide

Superannuation for ADF Members

As an ADF member, you get a salary and you may get allowances. You also get superannuation if you are a member of the:

  • Permanent Forces, or
  • Reserves on continuous full-time service.

What is superannuation?

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.

Which ADF superannuation schemes exist?

ADF Superannuation Arrangement (Current Scheme)

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:

  • are a new member of the Permanent Forces
  • eere a member of DFRDB, or
  • were a member of MSBS but you have taken your employer benefit as a pension or lump sum.

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:

  • DFRDB, or
  • the Reserves on Reserve service.

ADF Cover provides you with death and invalidity benefits if you are:

  • under the age of 60, and
  • discharged due to invalidity, or
  • die while serving.

MSBS (Closed to new members)

The Military Superannuation and Benefits Scheme (MSBS) provides you with:

  • an income when you retire from the ADF, or
  • death and invalidity benefits if you are discharged due to invalidity or die while serving.

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.

DFRDB (Closed to new members)

The Defence Force Retirement and Death Benefits (DFRDB) scheme provides you with:

  • an income when you retire from the ADF, or
  • death and invalidity benefits if you are discharged due to invalidity or die while serving.

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.

Who can't get ADF superannuation?

You can't get ADF superannuation if you are a member of the Reserves on Reserve service.

When can I access my ADF superannuation?

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.


Important information

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.

For this topic....

Authority

References

Further information is available at



Who do I contact

Defence Service Centre

1800 DEFENCE (1800 333 362)

YourCustomer.Service@defence.gov.au


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