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Your Benefits

Scheme Benefits | Form of benefits | Productivity benefit | Payment of benefits |Rolling out Funds

Scheme Benefits

Benefits are payable to you and, in the event of your death, to your surviving eligible spouse and children.

The Scheme’s range of benefits may be summarised as follows:

  • ‘in-service’ benefits, which become payable on either:
    • your retirement due to physical or mental incapacity to perform your duties
    • your death, leaving eligible dependants
    • your death, leaving no eligible dependants
    or
  • ‘termination’ benefits, which become payable on:
    • your voluntary or compulsory age exit or preservation of your rights
    or
  • ‘post-service’ benefits, which become payable following your death to your eligible spouse and children, provided you are receiving a Scheme benefit at the time of your death.

Form of benefits

The primary form of Scheme benefit is a combination of an indexed pension, and a lump sum payment, referred to as commutation.

Productivity benefit

DFRDB Members are also entitled to a productivity benefit under the Defence Force (Superannuation) (Productivity Benefit) Determination. The amount of the benefit varies according to the circumstances under which you leave the ADF. ComSuper pays the benefit at the same time as DFRDB benefits are paid. See the Productivity Benefit Page for more details.

Payment of benefits

Generally, benefits are paid fortnightly by direct deposit to an account with any approved bank, building society or credit union. The account must be with a financial institution in Australia and must be in your name. It may be a joint account, provided your name is one of the account holders.