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Leaving the Military

Leaving the military for a career change

If you leave the military to take up another job, you'll no longer be able to make contributions to your ADF Super account. No voluntary contributions and super guarantee contributions from your new employer will be accepted into ADF Super.

You can leave your existing super account balance with ADF Super, where it will continue to accumulate investment earnings.

You can also transfer your ADF Super to another super fund of your choice. Contact your new super fund to arrange this.

We charge an exit fee when transferring out of ADF Super to cover administration costs. For further information on our fees and costs, please see the Fees and Costs IBR document on the ADF Super website.

Redundancy or dismissal

If you accept a voluntary redundancy, or are dismissed from your job, you cannot automatically withdraw your ADF Super from the superannuation environment.

By law, to withdraw your super from the superannuation environment you must meet a 'condition of release'. We can only pay benefits in accordance with the ADF Super rules and the Superannuation Industry (Supervision) Act 1993 (SIS Act). These set out the conditions of release that must be satisfied before benefits can be paid.

For example, if you accept a voluntary redundancy but have not yet reached your preservation age, your ADF super benefits are preserved and cannot be paid to you. However, you can roll out some or all of your benefit to another fund at any time.

Retirement

If you are leaving the military because you're retiring, your super will be paid to you as a lump sum.

All or part of your super benefit can be paid to you when:

  • you retire permanently on or after your preservation age (generally 60)
  • you stop employment on or after age 60
  • you reach age 65 (even if you're still working).

Your super benefit in ADF Super is valued and declared in units. When you withdraw super from ADF Super, you cash in or redeem your units at the applicable daily unit price on the business day your application is processed (which may not be the same day you request to withdraw).

We'll process your withdrawal request and pay your eligible benefit using the unit price applicable to your investment option or mix of options.

Find out more about retirement. 

Invalidity

You can make a claim for benefits through ADF Cover if you are discharged from the military as a result of an injury or illness while serving in the ADF.

Visit the ADF Cover website to find out what benefits you can claim.

In addition to ADF Cover benefits, if you are permanently unable to return to work, you may also be able to access your accumulated super benefit on grounds of permanent incapacity.

Staying part of the military community

Leaving the ADF is a new stage in your life.

The trustee of ADF Super, Commonwealth Superannuation Corporation (CSC), has set up The 3rd Act – Freedom in Retirement program to encourage and support members to take a more holistic approach to planning for retirement. Visit the 3rd Act website.

Organisations such as the Department of Veteran's Affairs, the Alliance of Defence Service Organisations and the Returned Services League also offer support for former members of the ADF.