Resigning from work

Leaving your job can significantly affect your super and insurance cover. Understanding your options can make a real difference down the line.

Select a scheme
  • ADF Super
  • CSS
  • DFRDB
  • MilitarySuper
  • PSS
  • PSSap
I don't know my scheme

When you leave your job, why not stay with PSSap?

Understanding your options when you leave a job can make a real difference to how your super performs in the long term.

Under the Superannuation Amendment (PSSAP Membership) Act 2017, you may be able to contribute to your PSSap super account even after you leave the Australian Public Service (APS).

This means:

  • you’ll have the advantage of having your super in CSC's 10-year, platinum-rated 'best value for money' super scheme1.
  • you’ll still be able access CSC’s investment expertise. (It’s worth noting that our investment team is highly regarded in Australia and around the world for its stewardship of an integrated approach to investment risk management.)
  • you’ll continue to have access to PSSap's exclusive and flexible lifePLUS cover insurance.
  • you’ll also have access to CSC’s outstanding products and services, like our super education program and financial advice.

1. As assessed and rated by SuperRatings Pty Ltd (ABN 95 100 192 283) on 30 June 2019. SuperRatings is an independent research house that assesses super funds. Past performance is not indicative of future performance. See the SuperRatings Fundamentals report for PSSap for more details.

How to keep your super in PSSap

Just log into your account and use our online notification tool—we'll do the rest.

Or transfer your super to another fund

You can transfer some or all of your PSSap super to another super fund at any time. You’ll find the instructions on our Withdrawing your super form.

Note that if you want to transfer part of your super to another fund, you must leave a balance of $6,000 or more in your PSSap account.

Need some help with that?

If you have any questions about your super money, we’re just a phone call away. You can reach us on 1300 725 171.

Understanding your options when you leave a job can make a real difference to how your super performs in the long term.

Under the Defence Legislation Amendment (Miscellaneous Measures) Act 2020, you may be able to contribute to your ADF Super account even after you leave the Australian Defence Force.

This means:

  • you’ll have the advantage of having your super in CSC's 10-year, platinum-rated 'best value for money' super scheme1.
  • you’ll still be able access CSC’s investment expertise. (It’s worth noting that our investment team is highly regarded in Australia and around the world for its stewardship of an integrated approach to investment risk management.)
  • if you’re leaving the ADF, you may be eligible for ADF’s lifePLUS Protect insurance cover, which gives you automatic Death and Total and Permanent Disability cover, as well as the option to apply for Income Protection Cover through your super
  • if you’ve already left the ADF you have lifePLUS Protect cover, you can continue to keep this cover for as long as there is enough in your account to cover insurance premiums and fee deductions
  • you’ll also have access to CSC’s outstanding products and services, like our super education program and financial advice.
1.As assessed and rated by SuperRatings Pty Ltd (ABN 95 100 192 283) on 30 June 2019. SuperRatings is an independent research house that assesses super funds. Past performance is not indicative of future performance

Why it makes sense to stay with us after you’ve left the ADF

As a former ADF member with at least 12 months’ continuous service, you can keep your ADF Super account for life—even after you’ve left the ADF. Your new employer can contribute to your ADF Super account, just let them know that’s what you’d like to do.

You’ll also be automatically covered by lifePLUS Protect, our insurance product that’s designed especially for ex-serving personnel. It includes Death and Total and Permanent Disablement (TPD) cover, and optional Income Protection insurance.

After you’ve left the ADF, we’ll contact you with the details of the insurance cover you’re eligible for, including how much it costs. You’ll have 60 days to decide whether you’d like to opt in or opt out of the insurance cover.

Or, you can transfer your super to another fund

You can transfer some or all of your ADF Super to another super fund at any time. You’ll find the instructions on our Withdrawing your super form.

Need some help?

If you have any questions about your super, we’re just a phone call away. You can reach us on 1300 203 439.


 When can I receive my benefit?

All or part of your super benefit can be paid to you when:

  • you retire permanently on or after your preservation age (generally 60)
  • you stop employment on or after age 60
  • you reach age 65 (even if you're still working).

Your super benefit in ADF Super is valued and declared in units. When you withdraw super from ADF Super, you cash in or redeem your units at the applicable daily unit price on the business day your application is processed (which may not be the same day you request to withdraw).

We'll process your withdrawal request and pay your eligible benefit using the unit price applicable to your investment option or mix of options.

New job, same great super fund

PSSap choice

PSSap members who leave the Australian Public Service are able to keep PSSap as their superannuation provider. Simply login to Member Services Online to use our online notification tool, and we'll do the rest.

Share this article

Next I'd like to...

Changes in circumstances

Practical information relating to major life events

Learn more

Financial planning

Step by step advice to help you get to your financial goals

Learn more

Starting or changing jobs

Everything you need to know about your super when starting a new job

Find out more