Understanding invalidity retirement benefits

Invalidity retirement benefits help to support you if you’re forced to leave work because of illness or injury and you’re unlikely to go back.

What does it mean?

An invalidity retirement benefit may allow you to access your super balance if it’s not likely you’ll return to work after illness or injury. 

In both cases, this is called a permanent incapacity or terminal illness claim. Terms, conditions and definitions apply. Refer to Insurance and your ADF Super for detailed information.

lifePLUS Protect covers you when you’re sick or injured

If you’ve had to stop working before you planned to because you’re sick or injured, and you have lifePLUS Protect Death and Total and Permanent Disability (TPD) cover, you may also be able to make an invalidity retirement claim.

If you meet eligibility criteria, benefits are paid as a lump sum. This may help you:

  • cover the cost of changes to your house and/or car if that’s what you need,
  • contribute to the payment of your living expenses, or
  • repay your debts.
Know your level of cover

As an ADF Super customer and an ex-serving member of the ADF, you are generally covered by lifePLUS Protect default from the day after you left the ADF, as long as:

  • You had $6,000 in your ADF Super account and you were over 25 (subject to the insurance policy terms and conditions), and
  • you were not medically discharged from the ADF with a Class A or Class B invalidity pension.

If you tailored your cover to suit your personal circumstances and perhaps to add Income Protection to the mix, you’ll be with lifePLUS Protect choice.

lifePLUS Protect auto includes Death and TPD cover, and unless you’ve chosen to opt out of cover, you’re likely to have it. To check the level of cover you have, log into your account and go to the Insurance section.

To find out more about lifePLUS Protect, visit the pages listed below or give us a call on 1300 725 171

More information

When does my cover start?

Can I cancel my lifePLUS Protect cover?

You cancel all your Death and TPD cover, or cancel only your TPD and keep your Death cover. (Note, you can’t be insured for TPD cover alone.)

Note that if you cancel your cover and want insurance again in the future, you will have to go through the full insurance application process.

Before you cancel your cover, call us on 1300 203 439 to discuss what you’d like to do. We're here to help.

Or, if you’re certain and ready to cancel your cover, log in to your account and go to the Insurance section.

Cover is generally based on your age

If you’re with lifePLUS Protect default, you’ll automatically receive Death and TPD cover that changes depending on your age. Note that age-based and account-balance conditions apply to automatic cover. See Eligibility for insurance and cover for details.

Your Death and TPD cover is usually higher when you need it most—during life stages where you might face bigger costs or more expenses, like when you buy a home or start a family. Your cover is usually lower when you’re likely to rely on insurance the least—during life stages when your income is highest, like when you're contributing more to your super and when your mortgage decreases.

If you're with lifePLUS Protect choice, you can choose age-based Death and TPD cover at any time. Note, if your current level of cover is less than the aged-based cover that would normally apply to you, you'll have to go through a full insurance application process.

You can fix or tailor your cover

If you have lifePLUS Protect default cover, you can:

  • fix your Death and TPD cover so that it stays the same every year until you turn 61.
  • apply for extra cover under lifePLUS Protect choice through a full insurance application process.

Check out our calculate your cover page and refer to our worked examples to help you decide how much Death, TPD and Income Protection insurance you may need and how much it costs.

If you’d like to change your cover, log into your account to make the change or complete and return the lifePLUS Protect Application and variation form.

You might be eligible for a terminal illness benefit

If you have a terminal illness, you might be eligible to claim a terminal illness benefit that is equal to the amount of your Death cover.

To apply, you must have a terminal illness and this means:

  • you suffer from an illness, or have incurred an injury, which two Medical Practitioners have certified, jointly or separately, and in the opinion of the insurer, is likely to result in your death within 24 months from the date of the certification (the “certification period”) regardless of any reasonable treatment undertaken, and
  • at least one of the Medical Practitioners is a specialist practising in an area related to the illness or injury suffered by you, and
  • the certification period has not ended for each of the certificates.

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