Super Changes from 1 July

The super changes that are due to come into effect from 1 July 2019, mostly affect accumulation products (like PSSap and ADF Super) and account based income streams (like CSCri). CSC's defined benefit schemes (such as CSS, PSS, and MilitarySuper) are not impacted by these changes.

01 Dec 2020

Here is a quick rundown of some of the key points from the ‘Protecting Your Super' Package. 


As a result of the changes introduced by the Protecting Your Superannuation Package (PYSP) and other increased operating costs, we’ve had to review our fees. From 1 July 2019, the administration fee charged on  ADF Super and PSSap accounts will change from $60 to $84 per annum. As a profit-for-customers super fund, we only charge fees to cover the costs of operating the fund. This means we don’t make a profit to pay to shareholders.

Most accounts with balances below $6,000 on the last day of a financial year will have certain fees and costs (generally, administration and investment related fees) capped at no more than 3% of the account balance for that year. In most circumstances, if you leave a super fund and close your account after 1 July 2019, you will no longer be charged an exit fee.

Note: While PYSP changes impact some defined benefit schemes, CSC's defined benefit schemes (such as CSS, PSS, and MilitarySuper) are not impacted because they do not charge exit or administration fees.

Inactive low-balance accounts

If you have an ‘inactive low balance account’ with PSSap or ADF Super, your super will be transferred to the ATO as ‘unclaimed super’. Where possible, the ATO will consolidate this balance into an active account you hold with a super fund. 
You may have an ‘inactive low balance account’ if:

  • your account has a balance under $6,000; 
  • the fund hasn’t received any contributions into your account over a continuous 16 month period; and
  • you haven’t made any active changes to your account such as changing your investment option, insurance coverage or binding beneficiary nomination. 

We will contact you if there is a risk your account is or may become an ‘inactive low-balance account’ so that you have the opportunity to let us know you would like to remain a member if this is what you want to do.  

Note:  Defined benefit schemes (such as CSS, PSS, and MilitarySuper) are exempt from being transferred to the ATO as 'Inactive Low-Balance' accounts.


In most cases, insurance cover must be cancelled on 1 July 2019 for any accounts that are deemed to be ‘inactive’—i.e. if no contributions have been made to the account for 16 continuous months. If your account is at risk of becoming ‘inactive’ we will contact you to let you know. 

If you have an 'inactive' account, and would like to keep all of your PSSap lifePLUS insurance, you must write to us, or email, to say you want to keep your insurance despite your account being inactive. You may wish to use the following, or similar wording: 

• Subject: Insurance|Keep my lifePLUS cover|Member|<<member number>>
• I, <<Given name>> <<Surname>>, wish to opt-in to keep all of my lifePLUS insurance cover, even if my account is inactive for a continuous period of 16 months or more.

NOTE: this change does not apply to certain accounts, including defined benefit accounts (such as PSS, and CSS), and accounts of ADF Super members. 

The ‘Protecting Your Superannuation’ changes were initially announced by Government as part of the 2018 budget, and we have been working through how and when we could implement these changes since this announcement—regardless of whether or not they ended up being passed by Parliament. 

Now that the changes have been passed by Parliament, we are working hard to implement them as quickly as possible and minimise any negative impact to our customers.

If you'd like to know more, we've published a list of frequently asked questions and a Significant Event Notice about the Protecting Your Super package and related changes. 

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Frequently asked questions

We have provided answers to some of our most commonly asked questions.

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Insurance & Cover

At CSC, we want you and your family to be taken care of when the unexpected happens.

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Significant Event Notices

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