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ADF Cover: Australian Defence Force Cover

Overview of ADF Cover

ADF Cover is a benefits scheme established on 1 July 2016 by the ADF Cover Act.

It provides benefits for medical discharge or death of a member of the ADF who is under 60 and either is an ADF Super customer, or would have been had he or she not chosen another superannuation fund.

Eligible individuals are automatically covered under the ADF Cover benefits scheme and are not charged any premiums for this benefit.

ADF Cover customers

Table 39. Number of ADF personnel covered by ADF Cover

2016–17

2017–18

2018–19

2019–20

ADF Personnel Covered

5,840

10,553

14,080

18,645

Note: Figures are at 30 June of each year.

ADF Cover administration

Invalidity classifications

There are three levels of invalidity classification:

  • Class A: Significant incapacity
  • Class B: Moderate incapacity
  • Class C: Low incapacity (no entitlement to an invalidity pension)

Table 40. Invalidity classifications in ADF Cover

2017–18

2018–19

2019–20

Class A

34

64

144

Class B

8

16

47

Class C

6

21

20

Not eligible

3

5

4

Table 41. ADF Cover death benefits paid

2017–18

2018–19

2019–20

Death benefits paid

2

4

4

Complaints from ADF Cover customers

ADF Cover received one formal complaint regarding the financial ramifications of an invalidity reclassification.

Table 42. Complaints received from ADF Cover customers

2018–19

2019–20

Complaints received

1

1

Changes to ADF Cover’s legislation

No changes were made to the Australian Defence Force Cover Act 2015 in 2019–20.