Witton LaneKSC Law
ADF Cover · Death & Invalidity

The cover most veterans only meet at the hardest moment.

If you joined after 1 July 2016, ADF Cover is the safety net behind your service - base pension, top-up, spouse and child supplements, and lump-sum conversion. The CSC formulas are dense; we run them in full so you (or your family) never have to guess what is owed.

CSC formulas as published
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Incapacity classification

Class A: >60% incapacity (2.2%). Class B: 30–60% (1.1%). Class C: <30% - no pension.

Estimated ADF Cover invalidity benefit
$3,215
per fortnight · $83,600/yr
Base pension (prospective service to 60)
$50,160/yr
Top-up pension (eligible service, ceases at 60)
$33,440/yr
Prospective years to 60
24
Eligible service (years)
16
Salary used
$95,000
An honest estimate, not a promise. These tools apply the published DVA, CSC and VEA rates that drive every payment letter. Your real outcome turns on service history, accepted conditions, offsets, dependants and case-by-case discretion - the human details a calculator cannot see. Use the number to start the conversation, then bring it to Witton Lane for the financial plan or KSC Law for the claim itself.
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Formulas used

Invalidity base pension: prospective service to age 60 × annual salary × incapacity factor.

Invalidity top-up: eligible service × annual salary × incapacity factor (ceases at age 60).

Death lump sum: prospective service × salary × 25%.

Spouse pension: prospective service × salary × 1.5%.

Child supplement: 17% / 33% / 50% of spouse base for 1 / 2 / 3+ eligible children.

Small pension rule: pensions under $5,000/yr are converted to a lump sum at × 16.5.

Minimum salary: $45,537 (Private Class 1) is used if your reported salary is lower.

About ADF Cover

The Defence safety net for members who joined from 2016

ADF Cover replaced the older Military Superannuation and Benefits Scheme (MSBS) for anyone who joined the permanent forces from 1 July 2016. It provides a Death benefit and an Invalidity benefit, administered by CSC, and uses a different formula to MSBS - one built around prospective service to age 60 rather than accumulated contributions.

How it works

  • Invalidity Class A pays 2.2% per year of service of your annual salary, with a base pension covering prospective years to age 60 and a top-up pension for eligible service already served.
  • Invalidity Class B pays 1.1% using the same structure. Class C pays no pension.
  • The Death benefit is a lump sum of prospective years to 60 × salary × 25%, plus a spouse pension (prospective × salary × 1.5%) and child supplements where applicable.
  • Annual pensions below $5,000 are converted to a lump sum by multiplying by 16.5, under the small-pension rule.
  • A minimum salary of $45,537 applies (Private Class 1) if the member's reported salary is lower.

Who it applies to

ADF Cover applies to:

  • Permanent ADF members who joined from 1 July 2016.
  • Reservists rendering continuous full-time service from 1 July 2016 onwards (for the duration of that service).
  • Members medically discharged with a CSC Class A or B classification (Invalidity benefit).
  • Eligible beneficiaries of members who die in service or as a result of service (Death benefit).

Common questions