Your MSBS ancillary benefit is separate and doesn't impact your MBL.
How the MBLs are calculated
If your benefit reaches the lump sum MBL
Important: Once you stop your contributions, you can’t start contributing again later. Before making any decisions about your super, you should seek independent financial advice
If your benefit reaches the pension MBL
Your options when you reach your MBL
Important: If you opt out of MSBS and move to another super fund, that decision is irreversible. You won't be able to make contributions to MSBS in the future. It’s important to understand how this might impact your future benefits. Before making any decisions about your super, you should seek independent financial advice.