Invalidity benefits for current and former members of the 2025

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The Defence Force Retirement and Death Benefits (DFRDB) Scheme is a defined benefit superannuation scheme that was available to members of the ADF between 1972 and 1991.
Defined benefit pension plans In a defined benefit pension plan, your employer promises to pay you a regular income after you retire. Usually both you and your employer contribute to the plan. Your contributions are pooled into a fund.
PSS spouse pension benefit On the death of a retired PSS member, a spouse pension is payable only to an eligible person (which includes a de facto partner and may include a same gender partner) and only where the scheme member elected to receive a pension.
You might have one if youve worked for a large employer or in the public sector. Your employer contributes to the scheme and is responsible for ensuring theres enough money at the time you retire to pay your pension income. You can contribute to the scheme too, and, depending on the scheme, this may be a requirement.
The invalidity pension is for people who are permanently incapacitated for work, not through an occupational cause. Permanent incapacity for work may be relative or absolute. Workers in a situation of relative invalidity may not receive more than one third of their normal remuneration or more than 50% within 3 years.
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If you retire at 20 years of service under BRS, youll receive 40 percent of your highest 36-months* of basic pay as your defined benefit. That percentage increases by 2 percent for each additional year of service.

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