Important information about post-1995 transfer amounts and death and invalidity cover

Important information about post-1995 transfer amounts and death and invalidity cover.

Select your scheme

This content is for
select scheme
  • ADF Super
  • CSS
  • MilitarySuper
  • PSS
  • PSSap
I am not sure which scheme

New transfer option from 1 July 2014

From 1 July 2014, monies you rolled into your PSS account on or after 1 January 1996 can be transferred to another super fund, together with government co-contributions paid into your account.

These amounts are known as your post-1995 transfer amounts.

Voluntary super contributions made after age 70 (but only before 1 July 2011) can also be transferred out from 1 July 2014.

Please note: You do not need to take any action as a result of this new transfer option and it does not affect how your PSS defined benefit is calculated.

Can these monies stay in my PSS account?

Yes, your post-1995 transfer amounts can remain invested in PSS. It will be paid as a cash lump sum when you exit PSS (it is not part of your defined benefit).

Do I have these amounts?

Look for post-1995 transfer amounts and government contributions on your Member Statement. Alternatively call 1300 000 377.

Can I take my transfer amount in cash rather than roll it over to another super Fund?

Generally no, because under superannuation legislation these amounts are preserved until a ‘condition of release’ is met. This includes reaching your preservation age and permanently retiring from the workforce.

How do I roll eligible amounts out of PSS?

Use Member Services Online or a Transfers out form available from Contributions made after age 70 can be transferred out using a Transfers out form only.

If you wish to keep your transfer amount invested in the Australian Government super environment, you can join the Public Sector Superannuation accumulation plan (PSSap) as an Ancillary member. You would then be a member of two government schemes – PSS and PSSap.

As a PSSap Ancillary member, you have extra investment options to choose from and you can salary sacrifice into PSSap to build extra super.

See for more information.


Your death and invalidity cover

Important change – total and permanent disability definition changes for members accepted for additional death and invalidity cover (ADIC) on or after 1 July 2014

Members accepted for ADIC on or after 1 July 2014 who then make a benefit claim on invalidity grounds will be assessed against a modified definition of total and permanent disability (TPD), which is set out below. The reason for this change is to satisfy new regulatory requirements that govern the insurance cover which can be offered through superannuation funds.

Modified definition to be applied to insured members accepted for ADIC on or after 1 July 2014

Part (i) of the TPD definition remains unchanged. This section can be viewed by downloading the PSS PDS including the Death and invalidity benefits booklet from

(ii) the insured member has suffered the total and irrecoverable loss of use of:

  • sight of both eyes; or
  • use of two limbs; or
  • sight of one eye and use of one limb


  • after consideration of all medical and other evidence as AIA Australia may require, has become incapacitated to such an extent as to render him or her unlikely ever to be able to engage in his or her own occupation and any occupation for which he or she is reasonably suited by education, training or experience.

If you have been accepted for ADIC or are accepted by 30 June 2014, your cover is not affected by this change in definition.

Share this article

Next, I'd like to know more about...

Insert Title

Insert Teaser Copy

Learn more

Members homepage

We’re an organisation dedicated to serving current and former Australian Government employees and ADF members.

Learn more

Employers Homepage

The Employer Administration Centre supports employer organisations and agencies to administer super on behalf of their employees.


We value your feedback.

How was your visit to our website today?