We’re proud to offer ADF Super – a fund designed just for current and former members of the ADF.

How it works

1. Saving for your future

   As a member of the Defence Force, your employer contributes 16.4% of your super salary into your ADF Super account. You can add extra money to your super by making before-tax and after-tax contributions, or by transferring in money from other super funds to help grow your savings.

2. We invest your money

   Contributions to your account are invested, so the value of your super depends on the amount of those contributions and the net returns from their investment over time, minus fees and costs.

3. When you're ready to retire

   You generally withdraw your super when you’re ready to leave the workforce. In some cases, you may be able to access your super or a portion of it earlier.

ADF Cover

If you’re under the age of 60 and serving in the ADF, you’ll be automatically covered by ADF Cover. This provides death and invalidity benefits for your family if you die while serving or are discharged because you are medically unfit for service.

While you’re serving, you’ll also be covered for death caused by natural reasons, and for injuries or events that are not service-related.

lifePLUS Protect – for when you discharge

Once you leave the ADF, you may be eligible for lifePLUS Protect auto. If you are eligible, factors like your age and account balance determine if you have to opt in or if your cover is turned on automatically. lifePLUS Protect includes cover for Death and Total Permanent Disablement (TPD).

If you’re not eligible for lifePLUS Protect auto, you’d like more or less cover, or you’d like to apply for Income Protection, you may like to apply for lifePLUS Protect choice.

You can apply for lifePLUS Protect cover at any time if you stay with ADF Super after discharge. You can also cancel your insurance at any time.

About lifePLUS Protect