Defence Entitlements

Don’t miss out on your Defence entitlements

Being in the ADF comes with many financial perks beyond your hard-earned paycheque.

There’s generous superannuation, paid trade qualifications and subsidised accommodation, as well as homeownership schemes you can use to build wealth and secure your financial future. If that wasn’t enough, there’s also salary packaging and other ways to boost your take-home pay by reducing taxable income.

The problem is, getting your head around all these schemes can be challenging. There are minimum qualification periods and service credits to accrue, different rules depending on whether you’re permanent or a reserve and different rules depending on whether you’re based locally or stationed overseas. 

So you might not be taking full advantage of all your benefits.

That’s where Spectrum comes in. We’ll make sure you get the most out of all your entitlements, including:

Salary Sacrificing

Fringe Benefits

Military Superannuation and Benefits Scheme (MSBS)

Defence Force Retirement and Death Benefits Scheme (DFRDB)

Defence Home Ownership Assistance Scheme (DHOAS)

Home Purchase Assistance Scheme (HPAS)

Home buying help – Home Purchase or Sales Expenses Allowance (HPSEA)

Subsidised accommodation – Married Quarter (MQ) and Rental Allowance (RA)

Want to maximise your entitlements?