ADF Super & ADF Cover


Schemes for Military Super & Insurance Cover

‘ADF Super’  along with a statutory death and invalidity scheme known as ‘ADF Cover’ are now the default superannuation and insurance schemes for ADF members.

The scheme introduced in July 2016 responded to the military community’s desire for greater flexibility in their superannuation. Historically, ADF members could be members of one of two superannuation schemes: the Defence Force Retirement and Death Benefits (DFRDB) scheme (closed to new members from 1991) and the Military Superannuation and Benefits Scheme (MSBS), commonly known as Military Super. Both these schemes are now closed to new members.

ADF Super is open to military personnel including:

People who have become a member of the Permanent Defence Forces or commencing as a continuous full-time reservist on or after July 1 2016.

MilitarySuper members who elect to become ADF Super members will no longer be able to contribute to MilitarySuper.

MilitarySuper and DFRDB pension recipients (excluding MilitarySuper invalidity pensioners) who have returned to the permanent forces or become continuous full-time reservists on or after 1 July 2016.

Please note that current contributing DFRDB members will not be able to join ADF Super, and reservists who are not continuous full-time reservists are not eligible for the 16.4% employer contribution.

What’s different?

* ADF Super is now the default fund for anyone joining the ADF for the first time.
* The scheme is a fully-funded accumulation plan with an employer contribution of 16.4%.
* ADF Super is underpinned by a new death and invalidity scheme called ADF Cover.
* Members may transfer their accumulated benefits to a new fund at any time.
* Members don’t make personal contributions, unless they wish to do so.
* Members will be able to make salary sacrifice contributions in line with relevant superannuation or taxation legislation.
* ADF Super members will be able to choose any complying fund.
* Members choose from four investments options: Cash, Income Focused, MySuper Balanced, and Aggressive. By default, if an investment option is not nominated, contributions will be invested in the MySuper Balanced option, which can be changed later if required.

Unlike previous military schemes, such as the MSBS, which requires a minimum employee contribution of five per cent of salary, there will be no requirement for ADF Super members to make employee contributions to their superannuation.

As a result, contributing MSBS members who choose to become ADF Super members will immediately receive a five per cent increase to their take home pay as they are no longer required to make compulsory employee contributions.

ADF Cover – Death and Disability

Accompanying ADF Super will be a new statutory death and invalidity scheme, known as ADF Cover. ADF Cover will be consistent with the death and invalidity arrangements ADF personnel currently receive as MSBS members. ADF Cover aims to ensure that ADF members are properly looked after, for the rest of their life if required, in the event they are injured during their ADF service.

Due to the nature of military service, it’s often difficult for members to obtain death and invalidity cover at a reasonable cost. ADF Cover is free to serving members.
Members of the ADF automatically receive cover from 1 July 2016 if they are:

• Under 60 years of age,
• A member of the permanent forces or a continuous full-time reservist,
• Either an ADF Super member, or would have been an ADF Super member but have chosen to have the 16.4 per cent employer contribution paid to another superannuation fund.

Benefits and conditions applying to ADF Cover are detailed on the ADF Super / ADF Cover website at:


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