If you are receiving DFRDB retirement pay or invalidity pay, or you have elected to a defer your benefit (but have not claimed it), and you re-enter the ADF on continuous full-time service (CFTS), you must make a DFRDB or MilitarySuper election before re-entry.
Failure to lodge a scheme election before re-entry will result in automatic MilitarySuper membership.
MilitarySuper membership is final and irreversible for your re-engagement and all future full time ADF engagements. You can never go back to the DFRDB Scheme as a contributor.
Your scheme election depends on the nature and length of your re-engagement.
If this is your situation, you must elect before re-entry whether or not you want to join MilitarySuper. (Deferred benefit re-entrants do not get to make an election you automatically join MilitarySuper).
If you choose not to join MilitarySuper, you continue to receive DFRDB retirement pay but you do not re-join the DFRDB Scheme as a contributor. You will also accrue a productivity benefit but you will not have invalidity cover.
If this is your situation and you were a pension recipient (or had a deferred benefit), you must elect before re-entry whether you want to join MilitarySuper or re-join the DFRDB Scheme as a Contributing Member. Contributions are due for the scheme you choose, and your retirement pay is not paid during the period of service. After discharge, your retirement pay will be recalculated and will recommence.
Please make your election on the D100 form. The D100 form has replaced the DM100 form.
If you join MilitarySuper, you must contribute to MilitarySuper and your DFRDB retirement pay will be suspended during your engagement. After discharge, your DFRDB retirement pay will recommence (including any CPI adjustments) and you will be entitled to MilitarySuper benefits. MilitarySuper benefits are generally not payable before preservation age. You may want to seek professional advice for your individual circumstances
The circumstances described above apply to recipients of DFRDB Retirement Pay. If you are in receipt of Invalidity Pay and are contemplating re-entry to the ADF, please contact ComSuper.