Answers to your questions: February 2026

My client is a member of CSS / PSS. Can they make personal, deductible contributions?

Yes, eligible CSS and PSS members can open a personal accumulation account with PSSap – sometimes known as a PSSap Ancillary account – to make personal, deductible contributions¹.

To be eligible, they must:

• be a CSS or PSS member employed by an eligible employer for at least 12 continuous months, and:
• be a current CSS/PSS Preserved or Contributor; or were a CSS/PSS Contributor at any time on or after 7 March 2021.

What are the benefits of opening a PSSap Ancillary account for eligible CSS/PSS members?

Opening a personal accumulation account with PSSap allows eligible DB scheme members to stay with CSC for all their super needs. This means they can keep all their super savings with a fund designed exclusively for current and former Australian Public Service employees. CSC retirees finish work financially strong – retiring with 30% more than the ASFA Comfortable Retirement Standard². 

Opening an accumulation account with PSSap allows the member to:

• Grow their super with additional contributions through salary sacrifice or after tax contributions
• Receive contributions from non-APS employers
• Access more investment options
• Access lifePLUS cover for their additional insurance needs (subject to eligibility)
• Invest money for retirement in a superannuation environment.

Are there any restrictions on the types of contributions PSSap can receive?

There aren’t any special contribution restrictions on PSSap Ancillary accounts opened by CSS or PSS members. 

In the case of PSSap employer-sponsored accounts, if the member has been employed by an employer sponsor for less than 12 continuous months (‘12-month rule’), they cannot receive non-employer sponsor contributions. Once they have met the 12-month rule, there are no contribution restrictions. If the member leaves their employer sponsor before meeting the '12-month’ rule, they become Preserved and cannot make contributions.

What are the investment options and asset allocation for each investment option?

Investment profiles for PSSap are available from the Investment section of our Advisers hub. They contain the asset allocation information for PSSap, for which the table may be updated from time to time.

Can PSSap members apply for lifePLUS Cover?

PSSap Ancillary members can apply for lifePLUS choice cover, for which AIA is the insurer. lifePLUS choice cover may provide members with the opportunity for insurance benefits not available in PSS or CSS, such as income protection cover. 

If a member is employed by an eligible employer and they’re receiving super guarantee contributions from them, members have the option to change their membership to a PSSap membership. If they make this change, they may be eligible for lifePLUS auto cover, subject to the standard eligibility rules for New Permanent Employees or New Casual Employees³.

Read more on our lifePLUS choice cover webpage.

Footnotes

¹ A member should consider the impacts of any Defined Benefit contributions to contributions caps before contributing to an ancillary account.

² Based on retirement lump sums for retirees in CSC accumulation products aged 65–84 who own their own home. 30% more than the ASFA Comfortable Retirement Standard based on the March 2025 quarter. Outcomes may vary between funds and based on the member’s circumstances. 

³  A member should consider all relevant factors – including tax and impact to final benefit – before making the decision to switch their membership.