The Unique Superannuation Identifier (USI) for each of our schemes is listed below:

• PSSap 65127917725001
• ADF Super 90302247344001
• MSBS 50925523120001
• PSS 74172177893001
• CSS 19415776361001
• DFRDB 39798362763001
• CSCri 65127917725002

The ATO superfundlookup.gov.au website can also help you find details about other super funds you may have. 

Easy! Just scroll down. CSC's ABN and all of our scheme ABNs are listed at the bottom of our webpages. 

You can find information about CSC’s ethical investments in our product disclosure statements. You can also read more in our Stewardship Factsheet.

We believe that the most successful companies are those that consider the long-term sustainability of their business, not just the short-term drivers of current profitability.

We don’t automatically avoid companies associated with a negative theme (such as a high carbon footprint). Instead, we identify those companies at risk, work to understand the implications for their share price, and, where appropriate and practicable, support those companies to undertake activities that will reduce any undesirable outcome.

For example, we engage with companies identified as having large carbon footprints, and support them through a responsible transition of resources and processes towards reducing any undesirable climate consequences from the operation of their business.

There are benefits and risks to having money in your super account, rather than in the bank.

One of the benefits of super is that tax rates on super are often lower than regular tax on income and normal investment earnings, and you pay no tax on investment earnings if you are taking your super benefit as a pension. 

Another benefit of money in your super account is the power of compounding returns. Thanks to the power of compounding, super can be wealth building! As each year goes by, any earnings that your super makes are reinvested—essentially giving you the potential to earn investment returns on investment returns.

However, like any other investment, super is subject to the risk of investment loss. There are also restrictions on when and how you can access funds held in super, where there generally aren’t those restrictions placed on the funds you hold in your bank account.

Find out more on How super works.

Before you make any big financial decisions, we recommend you seek professional advice from a licensed financial planner*.

There are different rules around consolidation for each of our schemes. Find out more about finding and combining your super.

Whether or not it is beneficial for you to consolidate your super depends on your personal objectives, financial situation and needs. Before making a decision you should consider the impact of consolidation on any existing insurance you hold through your existing funds, and you may want to seek professional advice from a licensed financial planner.

You can update your contact details at any time using online services. Simply log in and update your details.

Alternatively, you can complete our Change of Personal Details form and send it to formsandapplicatons@csc.gov.au

If you’re currently a serving member of the ADF, your personal information, including your address, is regularly reported to us by the Department of Defence.  

PSS members can use the i-Estimator to work out what your pension might look like and when you might be able to leave work, depending on your unique circumstances. CSS & DFRDB members can contact us for a benefit estimate.

i-Estimator

About our financial planning Meet our planners

Call us at 1300 277 777, or email us at financial.advice@csc.gov.au. We’ll ask you a few questions to pinpoint exactly what kind of advice you need, and schedule a face-to-face or telephone appointment with one of our authorised financial planners.

If your current employer is contributing super to your CSC account, they should be able to update your name on their payroll system and send the update through to us. Check with your HR department to see if this is possible.

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If your HR department can’t update us with your change of name, or if your employer doesn’t contribute to your CSC Fund, you will need to let us know directly by sending in a change of details form.

For us to be able to change your name on our records, we need certified copies of your:

• marriage certificate with your new name; OR
• birth certificate if you have changed back to your maiden name; OR
• change of name certificate if you have changed your name by deed poll.

Your identity documents must prove your original name (as held on our system), as well as how you transitioned from that name to your new name. All documents must be certified as true and correct copies by an appropriate person, such as a lawyer or Justice of the Peace. 

If you want to start or stop claiming the tax free threshold on your CSC pension you need to complete an ATO Tax file number declaration form and indicate your preference at Q8. Once signed, this form can be emailed to pensions@csc.gov.au, or posted to GPO Box 2252, Canberra City, 2601.

If you want CSC to withhold additional tax, you can email  pensions@csc.gov.au and advise us of the additional amount to be deducted each fortnight, either as a percentage or as a dollar amount. Please make sure you include your name, pension reference number and date of birth in this email. 

Take a look at what superannuation is and how it works:

How super works

CSC will submit your data to the ATO before 14 August 2024.

If you’ve opted to Go Digital, you’ll receive links to your Annual Statement and Digital Annual Statement Summary either by email or SMS.

To check where yours will be sent, log into online account to Go Digital and update your details. If you prefer to receive your Annual Statement through the post, we’ll mail it to your nominated postal address.

You can check your Annual Statement at any point after it’s been sent out by logging into your online account.

Your Annual Statement will include all the information specific to your CSC super account. This could include any contributions you’ve made, your investment performance, any insurance policies or cover attached to your superannuation, as well as what was deducted over the year—including withdrawals, tax and fees. Where possible, you will receive a projection of your balance and potential retirement income based on information available to us as at the date of the statement.

 

 

If you're not sure, get in contact with us and we'll take you through it.

If you think there’s incorrect information on your Annual Statement, you should get in contact with us.

If you haven't received your Annual Statement, you can log into your online account to access it. If you can’t access your online account, or you can’t find your Annual Statement online, contact us

Please note: We send paper Annual Statements in batches from the second week of September through to November 2022. If you haven’t received your paper Annual Statement, it may be because we haven’t sent it to you yet.

You can log into your online account to change your details.

For more information, visit Go Digital and update your details.

Yes, our aim is to invest all of our portfolios in ways that genuinely deliver positive and enduring change, aligned with our members’ interests. We believe that there is significant value in companies and organisations that operate responsibly and sustainably.

As a responsible asset owner, we actively work with the companies in which your superannuation savings are invested, to ensure our investments meet—or are capable of meeting—our Environmental, Social and Governance (ESG) standards. Our active ownership policy is summarised in our Stewardship Factsheet.

Find out more about investment quality and sustainability.

CSC has a proud record of investing in assets, both public and private, that will make a positive impact on the climate. We manage climate investment risk in three key ways:

• Renewable investments. Renewable energy is the most likely future of our global energy system, and CSC was an early investor in this opportunity set. Over the last five years, we have more than doubled our assets under management for renewable projects.
• Supporting robust transitions from fossil fuels. As long-term investors, we believe we can support the transition away from fossil fuels in a responsible and sustainable way. We also divest of companies that derive 70% or more of their revenue from thermal coal production and generation, because they have little prospect of transitioning their operations to clean energy.
• Focusing on the impact of the climate footprint over time. Our approach considers the carbon footprint of our investments, the market's appreciation of that and our ability to influence it, and we measure this at a net portfolio level. CSC considers all ESG issues to be fundamental, and we have consistently been a market leader, and in many cases a first mover, in this space. 

More information can be found at Investment quality and sustainability, and Your super and climate change (PDF).

Yes, we do. As at 30 June 2022, CSC has with more than $1 billion invested in innovation, technology and development platforms focused on new renewable sources of energy, and the infrastructure required to make them firm and scalable. These investments are reducing emissions by 251,000 tonnes per annum.

Our investment activities are expected to be aligned with the Paris Agreement.

We are progressing towards a net zero global economy. Ultimately our sole purpose is to protect and grow the retirement savings of our customers. This means any investment decisions we make must focus on the likelihood of a positive financial outcome for our customers.  

To date, we have constructed our customers’ portfolios in ways that put them in line with the Paris Agreement—that’s a 50% reduction in the public company carbon emissions from customers’ portfolios by 2030, and 100% by 2050. Going forward, we expect to achieve this if we can maintain the current pace, i.e. if these activities continue to provide financial benefits for our customers.

That is why we say we’re aligned with the Paris Agreement, but not targeting it.

Since the 2020–21 Financial Year, we have divested of companies that derive 70% or more of their revenue from thermal coal production and generation, because they have little prospect of transitioning their operations to clean energy. We have not invested in new coal projects in our infrastructure portfolio since 2010.

We have not invested in new fossil fuel plants in our infrastructure portfolio since 2010. We have committed to help accelerate progress towards a net zero global economy to the extent and speed possible consistent with our fiduciary duty to all our members.

As long-term investors, we can support this transition in a way that respects the practical demands for energy in Australia and around the world.

We do this in three ways:

1. Investment in renewables technology and innovations

   Investment in renewable projects and the technology and innovations that will enable a phase-out of fossil fuels is vital. Our members’ capital is working precisely to enable this innovation. As at 30 June 2022, CSC has more than $1 billion invested in innovation, technology and development platforms focused on new renewable sources of energy, and the infrastructure required to make them viable and scalable. For more information see Early adopter investments pay off for CSC customers

2. Investment in ‘transition fuels’ to meet energy demand

   To keep up with today’s global energy demands, and to ensure access to energy is equitable (i.e. affordable), investment in oil and gas has an important and necessary role as transition fuels—for the time being.

   We currently remain invested in well-run Australian gas producers. As at 30 September 2022, our exposure to gas related businesses is 1.4%. Over time, we expect this to decline, but at a pace that allows countries around the world to continue to have reliable, uninterrupted and affordable energy until technology limits are overcome (e.g. when renewable energy generation, storage and transmission can achieve mass scale).

   We also support robust transitions away from fossil fuels by focusing our exposures in the relatively cleaner producers in Australia, those who are also self-investing in renewables, and operate with high human and community safety standards.

3. Divestment as a last resort

   We have divested of companies that derive 70% or more of their revenue from thermal coal production and generation, because they have little prospect of transitioning their operations to clean energy. 

   However, we believe divestment is inherently ineffective and regressive because it focuses on the company supplying fossil fuels instead of focusing on demand. Demand for energy can't be shut off quickly, costlessly or easily because every company in the world (outside of nuclear jurisdictions) relies on fossil fuels to make the things that the world consumes. Moreover, supply constraints drive higher fossil fuel prices, resulting in higher fossil company or industry profits. Profits that investors and companies—encouraged by long term investors—could recycle into new renewable infrastructure.

Yes. The quality of ESG scores differs by region and industry around the world. To account for this wide and variable scope of ESG information, we use a very broad range of data inputs, processed and analysed directly through our internal risk systems and externally via our investment partners. This enables us to build dashboards using data derived from artificial intelligence (AI) processes and quantitative scores, which we use as one of many inputs to identify ESG risks and opportunities within our portfolio.

Our primary ESG scoring system rates companies on a ‘AAA’ to ‘CCC’ scale according to their exposure to industry-specific ESG risks and their ability to manage those risks relative to peers .The scores help efficient screening of the thousands of companies we gain exposure to through our passive equity investments.

Importantly, our fund managers around the world are responsible for analysing specific companies in which they have specialist knowledge with respect to the companies’ specific characteristics, management systems, and strategic priorities, as well as their advantages and disadvantages in the industries and communities in which they operate.

All of these activities form a rich tapestry of data and information from which we measure and analyse not just the ESG opportunities and risks in the portfolio, but the vulnerabilities of our material company and asset exposures. Our research has enabled us to:

• understand and measure the climate-related exposures through the portfolio by seeking partnerships with experienced and complementary external research and data providers, incorporating exposures to physical, transition and liability risks as they relate to climate.
• engage with a specialist in climate risk modelling, as well as other external research and data providers, to provide input into climate scenarios and their impacts on CSC portfolios.
• consolidate the different metrics of climate change risk management into a master database which facilitates a holistic view of the portfolio exposure.
• conduct preliminary scenario analysis using tools provided by the Transition Pathway Initiative, and 2-degree Scenario Analysis initiative.

Portfolio holdings information is updated every 6 months and available on our Investment Disclosure page.

We're proud to invest where we can influence how the business is managed. As active owners of the companies we invest in on our members’ behalf, we proactively engage with the management and Boards of these companies. We do this to support decisions that are aligned with our members’ best long-term interests. Our engagements focus on our advantage to influence via:

1.      Assets we have majority interest in
Our influence is strongest where the link between CSC as financier and the activity being financed is direct, because we have control over these assets and can make active decisions about how they operate.

For example, our directly owned buildings use energy efficient technologies, electric chillers, LED lights, energy reduction management systems, and electrical alternatives to fossil fuel based plant and equipment. We also purchase 100% renewable power for all of our buildings. 

2.      Shareholder votes in listed assets
Poor governance, sometimes evident in poor environmental and social practices, can be a sign of poor corporate management and may lead to a decline in the value of our members’ investments. Because of this, we take a particular focus on ensuring that companies have appropriately skilled directors on their Boards.

On occasion, we have escalated concerns (where unaddressed after engagement) via voting that assertively communicates our concerns to the Board; and by voting for Board composition that adds the necessary skill, diligence and/or commitment to solid ESG outcomes.

For example, at a 2022 AGM, after many years of engagement, a majority of shareholders (including CSC) voted to elect new directors to a large Australian company’s board, to encourage a platform of more rapid investment in decarbonising the business than was previously planned.

Where a companies’ management and Board skills are inadequate, and engagement to improve this is unsuccessful, our investment managers may elect to divest of these companies and redeploy those funds to comparatively better opportunities. 

 

3.      Collaborative efforts with third party organisations
We partner with organisations like Investor Group on Climate Change and Climate Action 100+ to support robust transition plans and transparent reporting. These are large-scale, climate-focused investor initiatives where some of our investment partners are co-leaders. These coordinate, consolidate, and communicate investor expectations and concerns with greater effect than it would be possible for us to have if we acted alone.

4.      External investment management partners

We partner with external investment managers to establish active owner engagement strategies that align with the best interests of our members. 

For example, we established a partnership with a large active manager in the US—for whom we are their first Australian client—to develop a proactively managed, sustainable portfolio diversified across multiple assets and strategies, incorporating:

·        their proprietary portfolio management process; and

·        positive impact towards the United Nations Sustainable Development Goals.

We require our investment management partners to engage with the material investments in companies they hold on our behalf to ensure these investments align with our members’ best interests. If the quality and pace of the companies’ progress falls short of this requirement, our investment managers may elect to divest of these companies and redeploy those funds to comparatively better opportunities.

For example, our managers would divest if they believed that:

·        a company was investing at returns below their expectations or their own cost of capital (such as in an asset with high ‘stranded asset’ risk); and/or

·        a company refused to engage with their concerns regarding any ESG-related items.

Passive investment management aims to replicate benchmark returns without making any judgments about future market movements. The most common approach to passive investing is to buy into an index fund or ETF.

Active investment management seeks to attain returns above a set benchmark by utilising manager skills in asset allocation and stock selection, and by making active judgments about future market movements.

 

We use a combination of index and active management, because we believe this offers the best value for money, adjusted for risk.

Passive investment management generally attracts lower fees, because there is less work involved.

When we employ an active management approach, we only pay fees for active management where performance is expected to result in better outcomes for members, either by producing higher net real returns, or by reducing exposure to risks. 

No, we don't have any exposure to social housing at this point in time, because to date it hasn't provided a compelling relative return.

However, we will continue to monitor and review opportunities as policies change regarding market structure, taxes, incentives etc.

We are undertaking a significant investment over the next three years to transform our digital services to customers to better meet their expectations. A key area of focus will be our online services to ensure all customers have a simple, easy ‘one-stop-shop’ for all their CSC accounts and services. We are also undertaking an extensive and ongoing process of updating our website content to make sure it is easier to understand.

We send regular investment and general information emails to all of our customers who wish to receive these emails.

You can also view your account through online services any time.

 

CSC does not have any physical offices overseas, however all customers can access their CSC account online at any time. 

If you need assistance logging in to your account visit our ‘Contact us’ page to find the right email or phone number to call.

Our PSSap, ADF Super and CSCri contact centre is open between 8:30am and 6pm (AEST) and our CSS, PSS, MilitarySuper and DFRDB contact centre is open between 8am and 6pm (AEST).

We're hoping to get back into visiting more of our employer sites to deliver information sessions. Reach out to your HR/People team to express your interest. If you’re an employer interested in arranging an in-house seminar for staff, please contact us on 1300 338 240.

Our easy-to-use glossary of superannuation terms can help simplify your learning process and make informed retirement decisions.

Because CSC looks after super funds designed specifically for Australian Government and Defence Force employees, you do have to be, or have been, an Australian Government employee or member of the Australian Defence Force to join a CSC scheme. 

Moving jobs doesn’t have to mean changing super funds. Find the information relevant to your scheme at changing jobs.

Defined benefit schemes (like CSS, PSS, and MillitarySuper) are great if you intend to stay with the same employer, such as the ADF or APS, for a long time. They were designed at a time where people stayed with one employer for the majority of their career.

Nowadays, the average person will work 17 jobs over five different careers! And so, with the changing nature of the Australian workforce, defined benefit schemes were deemed no longer fit for purpose and new schemes were opened to better suit the modern workforce.

The current type of superannuation accounts (aka ‘accumulation schemes’) are designed to be flexible and can move with you if you change your employment arrangement. 

The Australian Government guarantees 100% of all CSC defined benefit pension payments for life (e.g. pensions from CSS, PSS and MSBS). The Future Fund was established specifically for this purpose.

PSS scheme rules do not allow contributions otherwise than from eligible employers and members in eligible employment. Please get in touch if you wish to discuss options in relation to claiming the PSS benefit.

Find out about opening a PSSap account to compliment your PSS benefit.

As of 30 June 2020 there were 2,986 active contributors to the CSS scheme.

The DFRDB was closed to new members on 30 September 1991. From 1 October 1991 until 30 June 2016, former members who had deferred benefit rights or who were in receipt of DFRDB pensions were able to resume membership of the DFRDB under certain circumstances.

The Government introduced Military Superannuation and Benefits Scheme (MSBS) following a review of superannuation arrangements in place at that time, which considered whether the design of the Defence Force Retirement and Death Benefit Superannuation Scheme (DFRDB) suited Australian Defence Force (ADF) members and reflected contemporary superannuation policy. The result was to close DFRDB for new entrants and introduce MSBS.

From 1 July 2016, former serving DFRDB members who were in receipt of DFRDB pensions were not able to join the DFRDB or MSBS if they returned to the Permanent Forces or became continuous full–time Reservists. Instead, they became eligible to join ADF Super and became eligible for ADF Cover.

In 2019, the Commonwealth Ombudsman published an extensive report on DFRDB Commutation, addressing the issues that have been raised by veterans. The Ombudsman’s report concluded that that neither CSC, nor its predecessors, provided incorrect information about commutation and that CSC is administering commutation in accordance with the law. The report made separate findings in relation to the administration of commutation by the Department of Defence, following which the Department of Defence issued a statement indicating that affected members could apply to the Department of Defence for compensation.

DFRDB customers are directed to the findings of the Ombudsman’s report and to the Department of Defence. The outcome of the Ombudsman’s investigation can be found on the Commonwealth Ombudsman's website.

As the superannuation schemes administered by CSC are all legislated schemes, the increase of the superannuation guarantee rate will have no impact on our funds. CSC administers both defined benefit funds and accumulation funds, meaning there are varying rates of contributions depending on the scheme you are in. However, all of the schemes administered by CSC currently have higher contribution rates than what the super guarantee is increasing to, so there is no disadvantage with our schemes not changing.

A member who previously made contributions to a fund administered by CSC, such as CSS or PSS, but is now a non-contributing member who still has amounts held within that fund.

If you are a CSS member you will remain a CSS member for life. There are currently no plans for CSS and PSS to be combined.

This answer is just for our customers in the CSS scheme

This commonly used term refers to the option of resigning prior to turning 55 (at least two days prior to your 55th birthday), preserving your benefit and claiming a deferred benefit after you reach age 55. If you choose this option, your deferred benefit will include an indexed pension (paid as your employer component). This pension is calculated based on 2.5 times your accumulated basic contributions, multiplied by a pension factor based on your age at claim. You will also be able to take your member and productivity components as a lump sum or additional non–indexed pension.

If you instead choose to continue working and retire at or after age 55, your indexed pension is calculated using a percentage of your final salary. This percentage is based on your age and years of contributory service. As the two calculation methods are very different, it is highly recommended you obtain benefit estimates for both scenarios well in advance of your 55th birthday.

Find out more about the 54/11 option

All of our forms should have lodgement advice on them—usually on the back page. If you come across a form that does not have instructions on how to submit, you can email it to formsandapplications@csc.gov.au

A form is the way we gather information from you, a factsheet is the way we get information to you. You can find forms and factsheets under the 'advice and resources menu'. If you're after a factsheet, make sure you click the 'factsheets' tab on the 'factsheets and publications' page.

You will need to select your scheme from the drop down menu of scheme options to see forms and factsheets that are relevant to you.

Please refer to our fees page or the Product Disclosure Statement below for the costs applicable to your scheme. 

ADFSuper Costs and Fees

As a member of a defined benefit scheme you don’t pay fees in the traditional sense. This means, you don’t pay administration fees, and you are not charged a fee for exiting the scheme. Instead there is an indirect cost ratio (ICR) associated with your account.

An ICR represents the total indirect costs of managing your investment option. The ICR is made up of management and performance fees charged by the option’s fund managers as well as investment-related legal, accounting and auditing and other operational and compliance costs.

Indirect costs are paid from the income (or assets) attributable to each investment option. This means, you won’t see an actual dollar reduction in your superannuation account as a result of the ICR, because the ICR is deducted from the earning rates each business day.

Please refer to the Product Disclosure Statement below for the costs applicable to your scheme.

CSS Costs and Fees

As a member of a defined benefit scheme you don’t pay fees in the traditional sense. This means, you don’t pay administration fees, and you are not charged a fee for exiting the scheme. Instead there is an indirect cost ratio (ICR) associated with your account.

An ICR represents the total indirect costs of managing your investment option. The ICR is made up of management and performance fees charged by the option’s fund managers as well as investment-related legal, accounting and auditing and other operational and compliance costs.

Indirect costs are paid from the income (or assets) attributable to each investment option. This means, you won’t see an actual dollar reduction in your superannuation account as a result of the ICR, because the ICR is deducted from the unit price each business day.

Please refer to the Product Disclosure Statement below for the costs applicable to your scheme.

MilitarySuper Costs and Fees

As a member of a defined benefit scheme you don’t pay fees in the traditional sense. This means, you don’t pay administration fees, and you are not charged a fee for exiting the scheme. Instead there is an indirect cost ratio (ICR) associated with your account.

An ICR represents the total indirect costs of managing your investment option. The ICR is made up of management and performance fees charged by the option’s fund managers as well as investment-related legal, accounting and auditing and other operational and compliance costs.

Indirect costs are paid from the income (or assets) attributable to each investment option. This means, you won’t see an actual dollar reduction in your superannuation account as a result of the ICR, because the ICR is deducted from the earning rates each business day.

Please refer to the Product Disclosure Statement for the costs applicable to your scheme.

PSS Costs and Fees

Please refer to our fees page or the Product Disclosure Statement below for the costs applicable to your scheme.

PSSap Costs and Fees

When you invest in super, you’re actually purchasing units in a given investment option. The unit prices go up and down each day, in much the same way that a share does, based on movements in the market value. As the unit price changes, so does the overall value of your investment. When you make a withdrawal, you sell a number of units in that investment option.

The unit prices we report show the value of the portfolio's underlying assets at the close of business one business day earlier. This gives us time to collate data from international markets (as Australia is ahead of other financial markets by up to 24 hours), and reflect it in our fund valuations.

The unit price for an investment option reflects the total value of assets in that option (less fees not deducted directly from your account, expenses and taxes), divided by the number of all units issued in the investment option.

Generally, we take the available market value of assets in each investment option at the end of each business day, and use these values to calculate the unit price on the following business day—i.e. if we calculate the unit price for 1 September, it will be made available on 2 September (if it’s a business day).

If an unforeseeable event, such as a trading suspension in relevant markets, means we can’t calculate a unit price on schedule (i.e. on the next business day), we take all reasonable steps to recommence unit pricing as soon as possible.

Insurance is not offered for customers of MilitarySuper, however they may receive death and invalidity benefits. These superannuation benefits are provided under the scheme rules and are not a type of insurance cover.

PSS and CSS customers do not hold insurance through superannuation. Customers who are contributing to their accounts have access to partial invalidity, invalidity retirement, and death benefits at no extra cost. These are superannuation benefits, not insurance cover. 

We’ve used all of our experience to compare and choose an insurance provider and offering that we think will serve the best interests of the majority of our customers.

But, we also know that not all of our customers are the same. This is why you have total flexibility to tailor your cover through lifePLUS Choice, or cancel your lifePLUS cover altogether. You might want to consider having a conversation with a financial adviser before making any big decisions—PSSap customers have access to free single issue advice on insurance with our authorised^* financial planners.

If you’re thinking of changing or cancelling your cover at any time, you can give us a call on 1300 725 171 to get more information about what this means for you.  

You can vary your cover by:

• Using the LIFEapp online application tool available through your member services online; or
• Completing the application and variation form.

You can also cancel your cover by:

• Completing the Cancellation of Cover form.

Changes to the law in relation to certain insurance cover will become effective from 1 July 2019. Customers with a low balance and an inactive account may be impacted. 

Generally, ADF Super customers or ADF personnel who have chosen to contribute super to another fund, have access to death and invalidity benefits under ADF Cover. ADF Cover is a superannuation benefit, not insurance, and you do not pay insurance premiums. To access ADF Cover, eligibility criteria apply. You must be a serving member of the ADF, or a continuous full-time reservist under the age of 60, and be eligible for an ADF Super account to get automatic access to ADF Cover. MilitarySuper or DFRDB customers may not be covered by ADF Cover. 

To nominate, change or revoke a beneficiary you need to complete our Binding beneficiary nomination form. To be valid, your form must be signed and witnessed in a particular way—this is explained in the form for you. It’s important to remember to renew your nomination every three years for it to remain valid—we will aim to contact you before your current nomination expires, but you should also keep a note for your own records.

You may also make a non-binding beneficiary nomination via Member Services Online, which will not expire. Non-binding nominations give CSC guidance when making a decision about where to distribute your benefits in the event of your death, but we do not have to comply with those instructions. In the same way, mentioning your superannuation in your will may provide us with guidance on how to distribute your benefits, but will not be considered to be a binding instruction on CSC. 

The scheme rules of the defined benefit schemes (e.g. PSS, CSS, MilitarySuper) determine who receives a benefit in the event of your death.  This means we cannot accept binding beneficiary nominations for beneficiaries, and there is no form to complete.

Generally, your benefit will be paid to any eligible spouse and/or eligible child(ren).

If you do not have eligible dependants (spouse or children) at the time of your death, we will pay your benefit to your estate. If you don’t have any of the above, then CSC will determine who to pay the benefit to in accordance with scheme rules. 

We have launched our new digital portal. It’s a streamlined experience, improving the way you engage with your CSC super account/s online—anytime, anywhere.

Find out more, including how to register:

CSC Navigator