Frequently asked questions

Because CSC looks after super funds designed specifically for Australian Government and Defence Force employees, you do have to be, or have been, an Australian Government employee or member of the Australian Defence Force to join a CSC scheme. 

Moving jobs doesn’t have to mean changing super funds. Find the information relevant to your scheme at changing jobs.

Defined benefit schemes (like CSS, PSS, and MillitarySuper) are great if you intend to stay with the same employer, such as the ADF or APS, for a long time. They were designed at a time where people stayed with one employer for the majority of their career.

Nowadays, the average person will work 17 jobs over five different careers! And so, with the changing nature of the Australian workforce, defined benefit schemes were deemed no longer fit for purpose and new schemes were opened to better suit the modern workforce.

The current type of superannuation accounts (aka ‘accumulation schemes’) are designed to be flexible and can move with you if you change your employment arrangement. 

There are different rules around consolidation for each of our schemes. Find out more about finding and combining your super.

Whether or not it is beneficial for you to consolidate your super depends on your personal objectives, financial situation and needs. Before making a decision you should consider the impact of consolidation on any existing insurance you hold through your existing funds, and you may want to seek professional advice from a licensed financial planner.

ADF Super

Generally, ADF Super customers or ADF personnel who have chosen to contribute super to another fund, have access to death and invalidity benefits under ADF Cover. ADF Cover is a superannuation benefit, not insurance, and you do not pay insurance premiums. To access ADF Cover, eligibility criteria apply. You must be a serving member of the ADF, or a continuous full-time reservist under the age of 60, and be eligible for an ADF Super account to get automatic access to ADF Cover. MilitarySuper or DFRDB customers may not be covered by ADF Cover.

PSSap

We’ve used all of our experience to compare and choose an insurance provider and offering that we think will serve the best interests of the majority of our customers.

But, we also know that not all of our customers are the same. This is why you have total flexibility to tailor your cover through lifePLUS Choice, or cancel your lifePLUS cover altogether. You might want to consider having a conversation with a financial adviser before making any big decisions—PSSap customers have access to free single issue advice on insurance with our authorised^* financial planners.

If you’re thinking of changing or cancelling your cover at any time, you can give us a call on 1300 725 171 to get more information about what this means for you.  

You can vary your cover by:

• Using the LIFEapp online application tool available through your member services online; or
• Completing the application and variation form.

You can also cancel your cover by:

• Completing the Cancellation of Cover form.

Changes to the law in relation to certain insurance cover will become effective from 1 July 2019. Customers with a low balance and an inactive account may be impacted. 

You can nominate a beneficiary by choosing who you want your super paid to if you die and submitting a valid nomination through CSC. This can be a binding, non binding, or (for CSCri members) reversionary nomination, depending on your circumstances.

View beneficiary options.

To nominate, change or revoke a beneficiary you need to complete our Binding beneficiary nomination form. To be valid, your form must be signed and witnessed in a particular way—this is explained in the form for you. It’s important to remember to renew your nomination every three years for it to remain valid—we will aim to contact you before your current nomination expires, but you should also keep a note for your own records.

You may also make a non-binding beneficiary nomination via Member Services Online, which will not expire. Non-binding nominations give CSC guidance when making a decision about where to distribute your benefits in the event of your death, but we do not have to comply with those instructions. In the same way, mentioning your superannuation in your will may provide us with guidance on how to distribute your benefits, but will not be considered to be a binding instruction on CSC. 

You can log into your online account at any time to change your details. 

Alternatively, you can complete our Change of Personal Details form and send it to [email protected]

If you’re currently a serving member of the ADF, your personal information, including your address, is regularly reported to us by the Department of Defence.  

If your current employer is contributing super to your CSC account, they should be able to update your name on their payroll system and send the update through to us. Check with your HR department to see if this is possible.

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If your HR department can’t update us with your change of name, or if you have a non-APS employer, you will need to let us know directly by sending in a change of details form.

For us to be able to change your name on our records, we need certified copies of your:

• marriage certificate with your new name; OR
• birth certificate if you have changed back to your maiden name; OR
• change of name certificate if you have changed your name by deed poll.

Your identity documents must prove your original name (as held on our system), as well as how you transitioned from that name to your new name. All documents must be certified as true and correct copies by an appropriate person, such as a lawyer or Justice of the Peace. 

We have launched our new digital portal. It’s a streamlined experience, improving the way you engage with your CSC super account/s online—anytime, anywhere.

Find out more, including how to register:

CSC Navigator

CSC will submit your data to the ATO before 14 August 2026.

If you’ve opted in to digital communication, you’ll receive links to your Annual Statement and Digital Statement Summary either by email or SMS.

To check where yours will be sent, log into your CSC Navigator account and update your details. If you prefer to receive your Annual Statement through the post, we’ll mail it to your nominated postal address.

You can check your Annual Statement at any point after it’s been sent out by logging into CSC Navigator

Your Annual Statement will include all the information specific to your CSC super account. This could include any contributions you’ve made, your investment performance, any insurance policies or cover attached to your superannuation, as well as what was deducted over the year—including withdrawals, tax and fees. Where possible, you will receive a projection of your balance and potential retirement income based on information available to us as at the date of the statement.

If you’re unsure about any information on your Annual Statement or believe something may be incorrect, please get in contact with us and we’ll help review it with you.

If you haven't received your Annual Statement, you can log into your online account to access it. If you can’t access your online account, or you can’t find your Annual Statement online, contact us

Please note: We send paper Annual Statements in batches from the second week of September through to November 2022. If you haven’t received your paper Annual Statement, it may be because we haven’t sent it to you yet.

We send regular investment and general information emails to all of our customers who wish to receive these emails.

You can also view your account through online services any time.

 

All of our forms should have lodgement advice on them—usually on the back page. If you come across a form that does not have instructions on how to submit, you can email it to [email protected]

A form is the way we gather information from you, a factsheet is the way we get information to you. You can find forms and factsheets under the 'advice and resources menu'. If you're after a factsheet, make sure you click the 'factsheets' tab on the 'factsheets and publications' page.

You will need to select your scheme from the drop down menu of scheme options to see forms and factsheets that are relevant to you.

About our financial planning Meet our planners

Call us at 1300 277 777, or email us at [email protected]. We’ll ask you a few questions to pinpoint exactly what kind of advice you need, and schedule a face-to-face or telephone appointment with one of our authorised financial planners.

*Our Comprehensive Financial Advisers are authorised to provide advice by Guideway Financial Services (ABN 46 156 498 538, AFSL 420367). Guideway is a licensed financial services business providing CSC Comprehensive Financial Advisers with support to provide members with specialist advice, education and strategies.

CSC does not have any physical offices overseas, however all customers can access their CSC account online at any time. 

If you need assistance logging in to your account visit our ‘Contact us’ page to find the right email or phone number to call.

Our PSSap, ADF Super and CSCri contact centre is open between 8:30am and 6pm (AEST) and our CSS, PSS, MilitarySuper and DFRDB contact centre is open between 8am and 6pm (AEST).

We're hoping to get back into visiting more of our employer sites to deliver information sessions. Reach out to your HR/People team to express your interest. If you’re an employer interested in arranging an in-house seminar for staff, please contact us on 1300 338 240.

ADF Super members who need help understanding their super can book an ADF consultation with a CSC Member Educator. These consultations provide general advice only and can help you understand topics such as how your super works, options at resignation or retirement, and planning for retirement. General advice does not take your personal financial circumstances into account and is provided at no extra cost.

If you are undergoing an ADF medical transition, you do not need to book a consultation. As part of the medical transition process, CSC will contact you to arrange a one on one consultation with your CSC Case Manager once Defence notifies us of your transition.

For more information, refer to ADF medical transition.

Book an ADF member consultation

If you’re a PSSap* or CSCri member (or prospective member), you can book a 30 minute appointment with a CSC Super and Retirement Specialist to talk through how your super works and discuss your super goals. These appointments provide general information and education only and are available at no extra cost.

* Including PSSap as an ancillary member

Book a session

From time-to-time, qualified professionals who provide advice to CSC members—such as financial advisers, accountants or legal representatives—may request information on behalf of a CSC member.

If you are a third-party adviser, please see our Access to information page for details about how to request information on behalf of a member.

Resources for advisers

Take a look at what superannuation is and how it works:

How super works

There are benefits and risks to having money in your super account, rather than in the bank.

One of the benefits of super is that tax rates on super are often lower than regular tax on income and normal investment earnings, and you pay no tax on investment earnings if you are taking your super benefit as a pension. 

Another benefit of money in your super account is the power of compounding returns. Thanks to the power of compounding, super can be wealth building! As each year goes by, any earnings that your super makes are reinvested—essentially giving you the potential to earn investment returns on investment returns.

However, like any other investment, super is subject to the risk of investment loss. There are also restrictions on when and how you can access funds held in super, where there generally aren’t those restrictions placed on the funds you hold in your bank account.

Find out more on How super works.

Before you make any big financial decisions, we recommend you seek professional advice from a licensed financial planner*.

Our easy-to-use glossary of superannuation terms can help simplify your learning process and make informed retirement decisions.

The Unique Superannuation Identifier (USI) for our open accumulation funds are listed below:

• PSSap 65127917725001
• ADF Super 90302247344001
• CSCri 65127917725002

Information about our Defined benefit funds is available at Defined benefit members.

The ATO superfundlookup.gov.au website can also help you find details about other super funds you may have.

The Australian Business Number (ABN) for our open accumulation funds are listed below:

• PSSap 65 127 917 725
• ADF Super 90 302 247 344
• CSCri 65 127 917 725

You can find information about CSC’s ethical investments in our product disclosure statements.

We believe that the most successful companies are those that consider the long-term sustainability of their business, not just the short-term drivers of current profitability.

We don’t automatically avoid companies associated with a negative theme (such as a high carbon footprint). Instead, we identify those companies at risk, work to understand the implications for their share price, and, where appropriate and practicable, support those companies to undertake activities that will reduce any undesirable outcome.

For example, we engage with companies identified as having large carbon footprints, and support them through a responsible transition of resources and processes towards reducing any undesirable climate consequences from the operation of their business.

We are undertaking a significant investment over the next three years to transform our digital services to customers to better meet their expectations. A key area of focus will be our online services to ensure all customers have a simple, easy ‘one-stop-shop’ for all their CSC accounts and services. We are also undertaking an extensive and ongoing process of updating our website content to make sure it is easier to understand.