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About your contributing Member statement

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Your details

Check your personal details carefully. If they are incorrect you can update them via Member Services Online.

Last period of DFRDB membership commenced on
This is only applicable to Members who elected to transfer from the DFRDB Scheme. This is the date your most recent period of DFRDB membership commenced.
Total period of eligible service
This is the total period you have been a Contributing Member—this includes previous service and DFRDB Membership. If you have reached your Maximum Benefit Limit (MBL), please refer to the Maximum Benefit Limits fact sheet (PDF 385k).
Additional service recognised for MilitarySuper
This is any additional service that is recognised for MilitarySuper benefit calculations.
Your salary for superannuation purposes at 30/06/08
This includes normal salary, service allowance, higher duties allowance, certain environmental allowance and non-reduction allowance.
Lump Sum Maximum Benefit Multiple (of Final Average Salary) at 30/06/08
This multiple is used to calculate your maximum allowable retirement benefit and is determined by your Final Average Salary. The dollar amounts used are increased every year in accordance with the increase in Average Weekly Ordinary-Time Earnings (AWOTE) figures. The dollar amounts shown are for 2007–2008.
Maximum Benefit Limits 2007–2008
Final Average SalaryLump Sum MBLPension MBL
Less than $51 270$410 160$512 700
$51 270 to $81 8908 times FAS10 times FAS
$81 890 to $151 940$163 780 plus 6 times FAS$254 670 plus 7 times FAS
$151 940 and above$619 600 plus 3 times FAS$701 490 plus 4 times FAS
Tax File Number provided
If you have not supplied your Tax File Number, any contributions received may be taxed at the highest marginal rate. This will appear on your Transaction Summary under “No TFN Contributions Tax”.
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Your share in the fund

Contributions
You must pay a minimum compulsory contribution of 5% of your salary for superannuation purposes. You can, however, increase your contribution up to 10%. Contributions above 5% will increase your Member Benefit however this will not increase your Employer Benefit.
Final average salary
This is your average superannuation salary over the last three years of your current period of service in the ADF (or your current period of membership if less than three years).
Employer Benefit Mulitple
This is based on your total period of eligible service and is used to calculate your benefits, as explained below.
Employer Benefit Multiples
Years of Service% of FAS / year
Enlistment to 7 years18%
7 years 1 day to 20 years 23%
20 years 1 day onward 28%
Total Employer Benefit
Your Total Employer Benefit is calculated by applying the Employer Benefit Multiple to your Final Average Superannuation Salary (FAS).
And Employer Share
This is the unfunded component of your Employer Benefit which will be paid by the Government when you retire. It is not impacted by investment earnings.
Pruductivity Benefit
This is the funded component of your Employer Benefit. It is the 3% productivity contribution made by the Department of Defence (after tax and including investment earnings).
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Ancillary Benefits

Ancillary Benefits include a range of voluntary contributions or transfers that you can make to MilitarySuper for yourself or on behalf of your spouse. There are six types of Ancillary Benefits offered by MilitarySuper. These are: Co-contributions (Government), Salary Sacrifice, Transfer In Amounts, Spouse Contribution, Additional Personal Contributions and Superannuation Guarantee. Your Ancillary Benefit will be paid as a lump sum when you reach your preservation age and/or retire from the workforce or can be rolled over to a regulated Superannuation Fund at anytime. For more information, please refer to the Product Disclosure Statement.

Co-contributions
A Co-contribution is an additional contribution paid by the Australian Government for eligible individuals.
Salary Sacrifice
Salary Sacrifice contributions are those contributions you made from pre-tax salary under an arrangement with your employer. Please note that 15% tax was deducted from these contributions on receipt in MilitarySuper.
Transfer In Amounts
Transfer In Amounts are benefits that have accrued in either:
  • Another regulated superannuation fund
  • A Retirement Savings Account
  • An Approved Deposit Fund; or
  • The Special Account (previously called the Superannuation Holding Account Reserve, or SHAR)
and have been transferred into MilitarySuper. Please note that 15% tax is deducted from any untaxed Transfer In Amount on receipt in MilitarySuper.
Spouse Contributions
Spouse contributions made during the year.
Additional Personal Contributions
Additional Personal Contributions. These are the voluntary contributions you made from your after tax salary. They are in addition to your regular compulsory Member contributions.
Super Guarentee (received from ATO)
Superannuation Guarantee. These are contributions collected from an external employer (other than the ADF) by the Tax Office under the Superannuation Guarantee scheme.
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Important information

Death benefits
If you die while you are a MilitarySuper contributor, your eligible dependants (or your estate, if you have no eligible dependants) are entitled to your Member Benefit, plus any Ancillary Benefit, plus your Employer Benefit at an amount equivalent to that which would have been payable if you had retired on Class A invalidity grounds on the day you died. Depending on the circumstances, this benefit can be taken as a lump sum, a pension, or a combination of both. This benefit may be reduced by an adjustment to recover any accrued surcharge debt. The amount paid to each eligible dependant is based on the type of eligible dependant (eg spouse, child, orphan) and the number of eligible dependants. No fees or charges are deducted from your account in providing this benefit to you.
Invalidity Retirement
If you are retired from the ADF on invalidity grounds, you may be eligible to receive a MilitarySuper invalidity benefit.

If the Trustee assesses you as Class A (incapacity of 60 per cent or more), or Class B (incapacity 30 to 59 per cent), you are entitled to a CPI indexed pension calculated from the lump sum Employer Benefit that would have applied based on your Final Average Salary on the date of your retirement, and the benefit multiple you would have received, had you remained in MilitarySuper until age 55 (or your retiring age for rank if that is greater than 55). This may be reduced by an adjustment to recover any accrued surcharge debt. You may also receive a lump sum of your Member Benefit as at 30 June 1999 (i.e, your own contributions and interest up until that time). Your post-30 June 1999 Member Benefit, and any Ancillary Benefit, remains preserved in MilitarySuper, or a regulated superannuation fund of your choice, until you satisfy a condition of release.

If the Trustee assesses you as Class C (incapacity less than 30 per cent), you are entitled to a lump sum of your Member Benefit as at 30 June 1999 (i.e, your own contributions and interest up until that time). Your post-30 June 1999 Member Benefit, Employer Benefit, and any Ancillary Benefit remains preserved in MilitarySuper, or a regulated superannuation fund of your choice, until you satisfy a condition of release.

No fees or charges are deducted from your account in providing this benefit to you. Further details are available by contacting MilitarySuper.

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Member Benefit Balance summary

The value of your Member, Productivity, and Ancillary Benefits are determined by multiplying your total number of units by the unit price.

If you wish to change your investment option please read Your Guide to Investment Choice (PDF 1.5M) and complete a Member Investment Choice (PDF 157k) form.

Investment option
You can change your Member Benefit investment strategy at any time.
Unit price
You can look up the latest unit prices.
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Productivity Benefit balance summary

Productivity Benefit balance summary
Your Productivity Benefit investment strategy can not be changed—it is invested in the default strategy of Growth.
Unit price
You can look up the latest unit prices.
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Ancillary benefit balance summary

Ancillary Benefit balance summary
For current MilitarySuper Members, Ancillary Contributions (other than Spouse Contributions) are invested in the same strategy or combination of strategies as your compulsory Member Contributions.

If no choice is made, Ancillary Contributions are invested in the default Growth strategy.

Unit price
You can look up the latest unit prices.
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Total balance summary

Unrestricted non-preserved benefit
The Unrestricted Non-preserved Component of your benefit is the amount that has been transferred into MilitarySuper as unrestricted non-preserved, which may be cashed at anytime.
Restricted non-preserved benefit
The Restricted Non-preserved Component of your benefit is comprised of your pre-1 July 1999 Member Benefit (if any). The Restricted Non-preserved Benefits must remain in MilitarySuper until you discharge. Once you have discharged, your pre-1 July 1999 Member Benefit becomes Unrestricted Non-preserved and can be taken as cash or rolled over to an external Superannuation fund.
Preserved benefit
The Preserved Component of your benefit is comprised of your Employer Benefit, post-30 June 1999 Member Benefit and Ancillary Benefits. These benefits must remain preserved in the superannuation environment (with the Employer Benefit remaining in MilitarySuper) until you reach your preservation age and retire from the workforce, or you are able to satisfy another condition of release.
Total
This is your Total Benefit including Ancillary Benefits (if any).
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Withdrawal benefit

Lump sum of available Member Benefit (value as at 1 July 1999)
If you leave the ADF prior to retirement, this is your Member Benefit you can access as an immediate lump sum. It is calculated by determining the value of your Member Benefit that accrued to you prior to 1 July 1999.
Preserve/rollover balance of Member Benefit
This is the post-30 June 1999 component of your Member Benefit that must be preserved in either MilitarySuper or another regulated Superannuation Fund until you reach your preservation age and retire from the workforce.
Preserve Employer Benefit
This is your total Employer Benefit, which must be preserved in MilitarySuper until you reach 55. After this point you may elect, upon resignation, to take the amount less any surcharge debt, as an indexed pension, roll it over into another regulated Superannuation Fund, or take 50% or more as an indexed pension and keep the balance preserved in a regulated Superannuation Fund for payment as a lump sum when you reach your preservation age and retire from the workforce.
Preserve total benefit in the Scheme
If you leave the ADF prior to retirement you can choose to preserve your total benefit in MilitarySuper until you reach age 55.

If you choose to preserve all your benefits in MilitarySuper, your Member Benefit will be invested according to your investment choice and your Productivity Benefit will be invested in the Growth strategy.

The unfunded portion of your Employer Benefit will increase in line with movements in the Consumer Price Index (CPI).

For further information on the benefit options available and when the benefit can be claimed refer to the MilitarySuper Book.

Retirement benefit option 1: Full lump sum
This amount can be paid as a lump sum if you are permanently retiring from the workforce and have reached your preservation age. If you leave the ADF after age 55, but before your preservation age, you can leave your Retirement Benefits in MilitarySuper or roll them into any complying Superannuation Fund.
Retirement benefit option 2: 50% lump sum 50% CPI indexed pension
If you are leaving the ADF and have reached age 55, you may choose to convert a minimum of 50% of your Employer Benefit to a pension that is increased biannually by the Consumer Price Index. The balance of your Employer Benefit, and your Member Benefit will be preserved until you attain preservation age.
Retirement benefit option 3: 100% CPI indexed pension
If you have reached age 55 or have been made redundant, you can choose to convert all of your Employer Benefit to a pension. Your Member Benefit will be preserved until you attain preservation age.
Retirement benefit option 4: Preserve Employer Benefit in Scheme
If you are leaving the ADF and have attained preservation age, you may choose to take the Member Benefit as a lump sum, and preserve the Employer Benefit until as late as age 65.
Retirement benefit option 5: Preserve total benefit in Scheme
If you are leaving the ADF and have reached age 55 you can choose to preserve both your Member and Employer Benefit in MilitarySuper until you permanently retire from the workforce or until age 65.
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Less Superannuation Surcharge debt

Surcharge debt
This is your total surcharge debt at 30 June 2008.

Any surcharge debt can be paid in part or full progressively during your period of membership. Any surcharge amount outstanding at the time benefits are claimed will be recovered at that time.

Any surcharge debt amount remaining at the end of a financial year will be charged interest at the 10-year Treasury bond rate of 6.45%. See the Superannuation Contributions Surcharge (PDF 1.0M) Fact Sheet for more information.