ComSuper and Military Super

ComSuper Invalidity Benefits
Lined Up With Your DVA Claims.

MSBS, DFRDB and ADF Cover invalidity benefits sit outside DVA, and many veterans are entitled to both. BAC runs the CSC application, classification and DVA offset.

Book a Free Consultation → Read the Full Guide
Who This Is For

Medically Discharged,
Or Should Have Been.

For MSBS (MilitarySuper), DFRDB and ADF Cover members medically discharged without the super side sorted, and veterans who left for other reasons while already carrying restricting conditions.

DVA compensates specific service-related conditions. CSC, which now runs ComSuper, pays an invalidity benefit on your overall capacity for civilian work, service-related or not. Having one does not disqualify you from the other.

"Don't leave money on the table because the system is confusing."

Kai Baldwin, Founder

What BAC Does

From CSC Application to Classification.

Work Out Which Door You're At

Medically discharging now? The MilitarySuper form is the M40. Already out on a non-medical discharge? That is retrospective invalidity, lodged with CSC on the A-RETRO form; DFRDB members start with Defence.

  • Confirm your scheme and transition date
  • Check MilitarySuper's preserved employer benefit rule
  • Map your current DVA payments

Build the Evidence CSC Weighs

CSC rates your incapacity for civilian work someone with your skills, qualifications and experience could reasonably do. Diagnosis alone won't do it; reports must describe work restrictions.

  • Medical reports from around your transition date
  • Employment history and qualifications
  • Consent for CSC to pull Defence and DVA files

Lodge and Manage the Classification

Class A is 60% or more, Class B is 30 to 59%, Class C is under 30%. A and B pay an invalidity pension. C pays nothing now, so the B to C line matters.

  • Lodged with CSC and tracked to decision
  • Written authority so CSC deals with BAC
  • Reconsideration within 30 days if needed

Line It Up With DVA

DVA reduces incapacity payments dollar for dollar by the Commonwealth-funded part of your super; your own contributions are untouched. A retrospective outcome or reclassification changes that sum, and back pay can leave you owing DVA.

  • Model the offset before lodging
  • Plan for arrears and any overpayment
  • Keep your DVA claims moving
What You'll Need

Bring What You Have. I'll Chase the Rest.

  • Your scheme (MSBS, DFRDB or ADF Cover) and transition date
  • Medical reports for the conditions that restrict civilian work
  • Work history and qualifications, or a CV
  • Any DVA payments, especially incapacity payments
Common Questions

Questions I Get Every Week.

Can I get ComSuper invalidity benefits and DVA compensation at the same time?

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Yes. Many veterans are entitled to both. A MilitarySuper invalidity pension is not reduced for DVA payments; DVA does reduce incapacity payments by the Commonwealth-funded part of your super.

What is the difference between Class A, B and C?

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Class A is 60% or more and, under MilitarySuper, is worked out as though you had served to your compulsory retiring age, or 55 if later. Class B is 30 to 59% and pays at least half the Class A rate. Class C is under 30%: no pension. A DVA percentage is irrelevant to CSC.

I was classified years ago. Can my class change?

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Both directions. Class A and B can be reviewed if your incapacity, skills, qualifications or work experience change. On Class B, or dropped to C, you can ask for a review up to age 65 if your condition has deteriorated. Dropping to C stops the pension immediately.

ComSuper is the entitlement veterans most often leave behind. I run the CSC side and your DVA claims as one job, so the offset and any arrears are planned before lodging. Discharged for other reasons? Start with retrospective medical discharge, then read the ComSuper vs DVA guide. BAC charges a fixed fee, agreed before we start, and never a percentage of your pension or DVA entitlement. What you're owed stays yours.

Two Systems.
One Plan.

Book a free chat with Kai and find out where you stand with CSC and DVA.

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