Skip to main content

Making a Claim

We understand that making an application for ADF Cover benefits may come in the midst of a stressful time for you. It's important that you give us the right information so that we can pay out whatever benefits you're eligible for as soon as possible.

On this page you'll find information on:

  • Invalidity benefits
  • Death benefits
  • appealing a decision you disagree with.

If you already understand your entitlements, you can go directly to the list of ADF Cover forms.

Invalidity benefits

You can apply for Invalidity benefits if you are medically discharged from the ADF. The benefit amount you receive depends on your level of incapacity for appropriate civilian employment.

Submit your application via post no more than three months before your discharge.

The application process

  1. Complete the ADF Cover Application for Invalidity benefits form. 
  2. When completing the form, make sure you complete each section and attach any relevant documents and identification. If the form is not complete, we may require you to provide additional information. We also require Defence to provide us with your date of discharge, DM42 and medical records.
  3. We will then assess your Invalidity classification (Class A, B or C) in relation to your capacity for civilian employment. If any additional medical appointments are required for the classification, we will cover the cost.
  4. After all the evidence and medical reports have been examined, you will be classified as Class A, B or C. You will receive the decision for your classification via post.
  5. If you are classified as Class A or Class B, your classification will be initially reviewed within 12 to 36 months. Subsequent reviews will be conducted from time to time.

Death benefit claims

If you are the dependant of an ADF Cover member, you can apply for a death benefit to be paid as a lump sum or as a pension.

The form you need to complete depends on your situation. Each form outlines the supporting documents you need to submit along with the form.

  • If you are a surviving spouse, please complete an Application for death benefit – spouse and/or Child form.
  • To claim benefits for an eligible child (where there is no spouse, or the child is not in the care, custody or control of a spouse also claiming a death benefit) complete an Application for death benefit – child form.
  • If you are the executor or administrator of a member’s estate (and there are no surviving eligible spouses or children), please complete an Application for death benefit – Estate form.

Death benefit: Accumulated super benefits

If you are the dependant of an ADF Cover member, you can apply to access any accumulated super benefits. Contact their super fund to find out how you can apply.

ADF Super members can find out more on the ADF Super website.

Death benefit claims for a member who was receiving an Invalidity pension

If you are the surviving spouse or child of an ADF Cover pension recipient, complete the relevant form and submit it along with the supporting documents mentioned in the form.

If you are a surviving spouse, please complete a Spouse of a deceased pensioner - Reversionary pension (ADF-SOP) form. 

If you are an eligible child, please complete a Child of a deceased pensioner - Reversionary pension (ADF-COP) form.

Reconsideration request

If you disagree with a decision made in relations to an incapacity, invalidity or death benefit claim, you can appeal the decision.

You have 30 days from the date you receive a decision to submit your request for reconsideration. For more information on how to make an appeal, download the ADF Cover Reconsideration Factsheet.

The appeal process

  1. Complete a Reconsideration request form and include any further evidence you would like considered.
  2. A Reconsideration Case Officer will conduct a thorough and independent investigation of the decision that was made. They will invite you to provide any additional documentary evidence to support your request if necessary.
  3. Once the investigation is complete, your case will be referred to the Defence Force Case Assessment Panel (DFCAP) for reconsideration.
  4. You will be advised of the Panel’s decision and supplied with a copy of the reasons for the decision once the Panel has reconsidered your case.

Further steps

If you are still unhappy with the decision, you may refer the issue to the Superannuation Complaints Tribunal (SCT). The SCT is an independent tribunal that deals with complaints about superannuation.

Visit the SCT website for more information.