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Your income stream can make a huge difference to your financial position and there are many Veterans who either don’t realise they qualify for a pension. Government allowances and concessions are often overlooked which means that .you may not be receiving the maximum entitled to you.  Financial Planners focus on helping you with advice on your current circumstances and the Advocacy groups are there to help you apply and access DVA benefits, which is what you may be entitled too. 

ADF Superannuation

Prior to 1 July 2016 you may be a member of either:

  • Military Superannuation and Benefits Scheme (MSBS), closed to new members from 1 July 2016

  • Defence Force Retirement and Death Benefits (DFRDB), closed to new members from 1 October 1991.

After 1 July 2016 you will either be a member of the ADF Super or you may have chosen your own superannuation fund.

Australian Government Superannuation Corporation

learn more about MSBS or DFRDB schemes.

Australian Government Superannuation Corporation

Learn how your ADF super is treated and calculated

ADF Financial Services Consumer Centre

Learn how super works and how to sustain your future

ADF Pay Conditions - Superannuation

Learn how your super is treated and calculated

Super Stapling or Stapled Meaning

From 1 November 2021, employees (including new ADF personnel) will become 'stapled' to their existing super accounts. This means that when a new employee doesn't choose a super fund, their employer must pay super contributions into their existing account (stapled fund). If there's no chosen fund or stapled super fund the employer must pay super contributions into their nominated default fund.  

Transitioned from the ADF and your Superannuation

Legal and financial advice

Australian Government Superannuation Corporation

Information for transitioning and your super

Australian Government - Money Smart 

Australian Government - ATO 

Track your Super

Where to go to find out more about your super
You can monitor your super with your myGov account linked to ATO online services, you can find out more at 

This enables you to: view details of all your super accounts, including lost or unclaimed amounts.

Superannuation NEWS

Australian Government - ASIC

Superannuation news and reports

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Veteran supported services for lower living costs

Home Loans

Veterans may opt for a standard home loan or apply with a specialist lender that offers unique solutions for veterans. Three lenders that provide home loans as part of the DHOAS are Defence Bank, Australian Military Bank, and NAB. DSH loans are available through Westpac.

Defence Bank

Australian Military Bank




Associated insurances. Eligibility for each scheme is dependent upon your qualifying period of service.  providing tailored home building insurance for veterans

Defence Service Home Insurance Scheme

Health Insurance

Defence Health



LawRight increases access to housing, income and legal rights and improves the health and wellbeing of vulnerable people.

Find a qualified Advocate near you

Find a financial Advisor near you

Department of Defence Transitioning & Finances

Department of Defence  Current Serving & Families Finances

DVA payments

"In most cases, we will have to accept liability for a physical or mental condition before we can pay you an income support payment  or   compensation.  You will need to apply via MyService to get us to accept liability."

DVA & Overseas Information

Did you know?   

If you get a Department of Veterans’ Affairs Disability Compensation Payment at the Special Rate (totally and permanently incapacitated) paid under the Veterans’ Entitlement Act 1986, you will meet the manifest medical rules with Services Australia.  However, keep in mind, you will also need to meet the non-medical rules to get Disability Support Pension (DSP).

Manifestly Disabled

In order to prevent veterans claimants being sent to medical examinations that are unnecessary, Commission has defined 'manifest'.    1.1.M.30 Manifest grants (DSP) | Social Security Guide (


Definition of manifest – service pension

'Manifest' for service pension purposes means that the veteran clearly and obviously meets the invalidity service pension eligibility criteria, based on the presenting medical evidence available to the Department. No additional medical assessment or work capacity test is required for the decision maker to form an opinion regarding 'permanently incapacitated'.

Prepare for retirement

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Aged Care Assessment Team (ACAT)

ACAT assesses the medical, physical, cultural, psychological and social care needs of frail older persons to help them access a range of Australian Government-subsidised aged care services.

Aged Care GUIDE to:

Understanding Pension Payments

  • Services Australia (Centrelink)

  • Department of Veterans Affairs (DVA)

Prepare to change to age pension

From the DSP

Age Pension with Services Australia

Age Pension with DVA

Sphere on Spiral Stairs

Manage medicine and keep costs down

DVA offers financial aid and support services to help veterans organise and manage medicine and keep costs down.

Financial     Crisis      Support

Wounded Heroes Crisis Support

To support the members of the Australian Defence Force, Veterans and their families in financial crisis, homeless or at risk of homelessness.

Address: 41 Brisbane Road, Bundamba. City of Ipswich QLD 4305




Phone: 1300 532 112

The Financial Capability Initiatives Database provides a comprehensive overview of a wide range of financial capability programs delivered by Government, private and not-for-profit organisations. The database provides information on the program type, organisation, target audience, delivery method and links to the program website. Search the database to find out what financial capability programs are currently available.

Bravery Trust 

Bravery Trust is a registered business name of the Australian Defence Force Assistance Trust

Address: PO Box 20, Camden, NSW 2570




Phone: 1800 272 837

RSL DefenceCare

If you are a current or ex-serving veteran, or a family member of a veteran, who are experiencing financial hardship, RSL DefenceCare can help cover the cost of bills and household essentials. If you are struggling to find a place to live, or stay in your home, They may provide housing assistance.



Phone:  (02) 8088 0388


Welcome to Engage - Supporting Those Who Serve.  Engage is an online portal that current, transitioning, and former ADF members; their families, and/or those involved in their support can use to locate support services. Engage simplifies the process of accessing support by providing information on not-for-profit services available from a range of service providers.

Budgeting, Saving and spending guide

Juggling bills and debts?  for free financial counselling

Call the Helpline to speak to a financial counsellor 1800 007 007

Help for Small Businesses 1800 413 828

To find a financial counselling agency in your area Find a financial counsellor

The NDH also offers a live chat function for small businesses around Australia and individuals in the ACT, NSW, Tasmania and WA. Just click on the chat bubble at the bottom right of the page to get started.

Legal and financial advice