Retirement

To understand your retirement options, please read our:

You are entitled to retirement pay if you retire on non-medical grounds with 20 years or more of effective service, or 15 years or more of effective service and have reached your statutory retiring age. You can also commute part of your retirement pay to a lump sum. Your length of service and annual rate of pay are the key factors in determining your benefit.

You receive your pay the day after your discharge from the Australian Defence Force (ADF).

It is paid each fortnight for the rest of your life, or until you re-enter the ADF.

 

Benefit application forms

Please complete our:

 

Retirement pay calculation

Your final DFRDB benefit is worked out as a percentage of your salary when you retire.

Two factors used in the calculation are your:

Your annual rate of pay

It is the maximum rate of pay applying to your rank and pay level including any recognised environmental allowance.

Your effective service

It is the total of your continuous full-time contributory service, plus any periods of past service you brought back. To find out your effective service, please view your most recent Member Statement and add your accumulated effective since then.

Retirement pay as percentage of your annual salary

This table shows your expected retirement pay depending on your annual rate of pay and your completed years of effective service. To estimate your potential retirement benefit, please use i-Estimator.

 

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Years of service

Percentage

20

35.00

21

36.50

22

38.00

23

39.50

24

41.00

25

42.50

26

44.00

27

45.75

28

47.50

29

49.25

30

51.25

31

53.25

32

55.50

33

57.75

34

60.25

35

62.75

36

65.75

37

67.75

38

70.50

39

73.50

40 (or more)

76.50

 

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