Getting out? You can keep your ADF Super

If you’ve been in service for more than 12 consecutive months, you'll soon be able to keep your ADF Super account when you’re transitioning out.

02 Feb 2020

At CSC, we’re proud to support veterans and families from the day you sign up, throughout your service career, your transition, and your retirement. We’re with you when you deploy on operations, buy your first home, get married, have children. We’re there to support you when you make career and life choices. We’re there for the bumps and detours that life may take. And, ultimately, we’re there to guide you through a comfortable retirement.

At the moment, you can only be in ADF Super if you’re serving* in the ADF. This means we’ve had to say goodbye to many veterans like you when transitioning to civilian life.

We didn’t believe this was the right option for you, so this legislation is changing.

Bottom line: if you get out, you can stay with us.

From 6 July 2020, changes to ADF Super will allow veterans with at least 12 months’ continuous service to keep their account for life. If you stick with us, you’ll keep access to:

  • Award-winning investment outcomes, and our recognised strong returns 
  • Competitive fees that go right back into providing services for you
  • Free education sessions and online webinars to help you get the most out of your super
  • Ongoing connection with our financial wellbeing and wellness hubs.

We’re also designing a new optional insurance product especially for ex-serving personnel (TPD and death cover, and income protection).

Watch this space for more info over the coming months.

Wait out!

* Serving as a member of the Permanent Forces or a continuous full-time reservist (within the meaning of the Australian Defence Force Superannuation Act 2015).

Frequently Asked Questions

What's changing?

At the moment, you can only be in ADF Super if you’re serving* in the ADF. This means we’ve had to say goodbye to many veterans like you when transitioning to civilian life.

These rules are changing to allow veterans with at least 12 months’ continuous service to keep their account for life—even after they’ve left the ADF.

If you leave the ADF after 6 July 2020, you’ll also be automatically covered by our new insurance product designed especially for ex-serving personnel—which includes Death, Total & Permanent Disablement (TPD), and optional Income Protection insurance.

* Serving as a member of the Permanent Forces or a continuous full-time reservist (within the meaning of the Australian Defence Force Superannuation Act 2015).

Who can keep their ADF Super account after they leave the ADF?

If you’re currently a member of ADF Super, and you’ve been in service* for more than 12 consecutive months, you can keep your account when you’re transitioning out.

* Serving as a member of the Permanent Forces or a continuous full-time reservist (within the meaning of the Australian Defence Force Superannuation Act 2015).

Who can get default automatic insurance cover?

You’re eligible for default automatic insurance cover for Death and TPD if you’re a member of ADF Super, and leave the ADF after the legislation has changed—as long as you haven’t been medically discharged with an ADF Cover assessment of class A or B invalidity pension. If you’ve been medically discharged as above, you can choose to apply for insurance by completing a full insurance application.

Will there be a cost for this insurance cover?

Yes, premiums and fees will apply for any insurance cover provided if you choose to keep the insurance cover. If you opt-out within 60 days, your insurance cover will be cancelled and any premiums or fees related to the cover will be refunded.

For more information, please read the section below ‘I don’t want insurance, how can I cancel it?’

I have ADF Cover, why would I need this new insurance?

ADF Cover is designed specifically for serving members of the ADF, and so the death and invalidity benefits provided to you from ADF Cover won’t cover anything that happens to you after you transition out.

If I'm eligible for default insurance cover, how much will I be covered for?

You’ll be provided with $150,000 Death and $50,000 TPD cover as the default. If you would like to increase your insurance cover more than this, and/ or apply for Income Protection cover, you can do so by completing a full insurance application.

Will I need to opt-in or opt-out of the default insurance cover?

In 2019, new legislation was introduced that impacts insurance offered through super. It was called the Putting Members Interest First Act (2019), and it means:

i.              If you’re under 25 years old, or have a super balance less than $6,000, you’ll need to Opt In to receive this insurance cover.

ii.             If you’re 25 or over and have an account balance of $6,000 or more, you’ll be automatically provided with cover. But, you’ll have the opportunity to Opt Out if you don’t want to be insured.

Once you’ve discharged from the ADF, we’ll contact you with the details of the cover you’re eligible for, including details of the fees and costs associated with this insurance. You’ll have 60 days to decide to opt-in or opt-out of the insurance cover. If you cancel your insurance cover after 60 days have passed, any premiums and fees already charged will not be reimbursed.

I don’t want insurance, how can I cancel it?

It’s important for you to tell us if you don’t want insurance. Once you leave the ADF, you can cancel your insurance by logging onto your member account, or by calling us on 1300 203 439.

Once you’ve discharged from the ADF, we’ll contact you with the details of the cover you’re eligible for, including details of the fees and costs associated with this insurance. You’ll have 60 days to decide whether you want this insurance. If you cancel your insurance cover after 60 days have passed, any premiums and fees already charged will not be reimbursed.

I’m still in the ADF, and also have another job with a non-ADF employer. Can my non-ADF employer make contributions to ADF Super?

Unfortunately, no. You can only have contributions from the ADF OR non-ADF employers coming into your ADF Super account. Which means, we can’t accept contributions from your non-ADF employer while you’re in the ADF.

I’ve already transitioned out of the ADF, will I be eligible for automatic insurance cover after the legislation changes?

You won’t be eligible for automatic cover. But, you will be able to apply for cover by completing a full insurance application for Death, TPD and/or Income Protection cover—as long as you continue to be an ADF Super member.

What about changes to the Defence Home Ownership Assistance Scheme?

The Defence Legislation Amendment (Miscellaneous Measures) Bill 2020 also bought in some changes to the Defence Home Ownership Assistance Scheme (DHOAS). These changes allow eligible ADF members transitioning to civilian life to access DHOAS for five years after they leave Defence service. The DHOAS is looked after by the Department of Veterans’ Affairs, and you can find more information on their website at https://www.dhoas.gov.au/

Share this article

Next I'd like to...

ADF Super delivers strong returns for military customers

Investment returns during 2018-19 have shown all of Commonwealth Superannuation Corporation’s (CSC) ADF Super investment options continue to exceed their return objectives for our military customers.

Read more

Online Services

Manage your super through Online Services

Online Services

Frequently asked questions

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

Find out more