CSC & Military Superannuation

Thousands of veterans left the ADF without an invalidity classification. Many still qualify for one.

Under established case law, voluntary discharge is not determinative of invalidity eligibility. If you separated from the ADF with service-related conditions that affected your capacity to work, you may be entitled to apply for invalidity classification retrospectively through the Commonwealth Superannuation Corporation (CSC). This applies across the MSBS, DFRDB, and ADF Super schemes.

For veterans already classified as invalids, reclassification from Class C to Class B or Class A can mean significantly higher ongoing income benefits. We assess eligibility, build the case, and manage the CSC process.

What falls under CSC and military superannuation

The two main pathways through CSC are a retrospective invalidity application for veterans who separated without a classification, and a reclassification application for those whose condition has worsened since their original determination.

Retrospective Invalidity Application

Veterans who separated without a formal invalidity determination may still be able to apply. We review your service history and medical records, assess viability under the relevant scheme rules, and prepare the submission through CSC.

Invalidity Pension Reclassification

If you're already classified as an invalid under Class C or Class B, reclassification to a higher class can substantially increase your ongoing income entitlements. We assess your current classification against your medical evidence and manage the reclassification application.

We review your full service and medical history to assess whether a retrospective invalidity application is viable under the relevant scheme rules.
We advise you on the Whiteman principle and how it applies to your separation circumstances.
We prepare the submission under Rule 30 (MSBS) or the equivalent provision for DFRDB and ADF Super members.
We manage the full process through CSC, including responding to requests for additional information.
For existing invalids, we assess whether your current classification accurately reflects your condition and prepare the reclassification case.

What to expect when you work with us

Step 01

History Review

We review your service records, discharge documents, and medical history to understand your situation and identify the relevant scheme.

Step 02

Viability Assessment

We assess whether a retrospective invalidity application or reclassification is viable based on your circumstances, medical evidence, and scheme rules.

Step 03

Submission Preparation

We prepare the formal submission and gather all supporting medical and administrative evidence required by CSC.

Step 04

CSC Management

We manage the application through CSC to determination, handling any requests for further information.

Common questions

Ready to get started?

Book a free consultation and we'll walk you through your options. No jargon, no pressure — just a straight conversation about what you may be entitled to and how we can help.

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