New ADF Super – What it Means to you


A new military superannuation scheme called ‘ADF Super’ will be introduced into the ADF from July 2016 along with an accompanying statutory death and invalidity scheme known as ‘ADF Cover’.

Historically, ADF members could be members of one of two superannuation schemes:

•    Defence Force Retirement and Death Benefits (DFRDB) scheme. This scheme was closed to new members on 1 October 1991.

•    Military Superannuation and Benefits Scheme (MSBS), commonly known as Military Super.

The new ADF Super arrangements will apply to:

•    Those joining the ADF for the first time on and after 1 July 2016

•    Current MSBS members who choose to join ADF Super; MSBS members will not be compelled to move to ADF Super.

•    Former serving MSBS members who re-join the ADF and choose to become a member of ADF Super; and

•    MSBS and Defence Force Retirement and Death Benefits (DFRDB) scheme members who receive retirement pay and re-join the ADF on a full time basis or as a Reservist on Continuous Full Time Service on or after 1 July 2016.

•    Current DFRDB members are unable to transfer to ADF Super.

The proposed new military superannuation arrangements will establish ADF Super and ADF Cover and the current MSBS will close to new members from 1 July 2016.


From 1 July 2016, ADF Super will be the default fund for anyone joining the permanent ADF for the first time.

ADF Super is a fully-funded accumulation plan with an employer contribution of 16.4 per cent.

ADF Super is underpinned by a new death and invalidity scheme called ADF Cover

Members can transfer their accumulated benefits to a new fund at any time.

Members will not be required to make personal contributions, unless they wish to.

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.

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.

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.


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