While you’re serving
If you’re a member of the Reserves who is working Reserve days, Defence doesn’t contribute to your super. This is because your pay is tax free, so it doesn't qualify for superannuation payments.
If your salary or SERCAT changes during the last 3 years of your service, this will affect your Final Average Salary (FAS), which may change the amount of your final benefit.
Maximum Benefit Limits
When you leave the ADF
Opting out of MSBS and switching funds
Important: You can’t re-join MSBS once you’ve opted out. Before making any decisions about your super, you should seek independent financial advice.
Change in circumstances or salary
Unpaid leave
If you re-join the ADF
Important: The decision to opt out of MSBS is irreversible, you won’t be able to re-join MSBS.