I have financial questions
The ADF Financial Consumer Council has produced a wide range of financial education resources aimed at ADF members including booklets, videos and online tools. This is a support service and does not supply personal financial advice.
View the five-minute ADF Financial Services Consumer Council video on FBT called Understanding FBT.I’m not sure about Fringe Benefits Tax
Visit www.adfconsumer.gov.au > Video
I need to access my partner’s pay information during a deployment
Defence has created a process where partners can be granted access to Privacy Act protected records, such as a member’s pay, for a period of up to 12 months. Email the Defence Services Centre at firstname.lastname@example.org to find out what you need to do. Families can then access pay information by calling 1800 DEFENCE.
We’re thinking of buying a home
Defence Home Ownership Assistance Scheme (DHOAS) is a home loan subsidy scheme for eligible current and former ADF members. Members may also qualify for a one-off payment to assist them to purchase a home under the Home Purchase Assistance Scheme (HPAS). The Home Purchase or Sale Expenses Allowance (HPSEA) provides reimbursement to the member of the reasonable costs for selling a home and purchasing another home they will live in on the next posting.
Defence Home Ownership Assistance Scheme
Call 1300 4 DHOAS (1300 434 627) or www.dhoas.gov.au
HPAS and HPSEA eligibility
PACMAN Volume 2 Chapter 6 Part 2
I need health insurance
Partners need to consider obtaining private health insurance to assist with paying the costs of specialist doctors, hospital accommodation, dental care, ambulance transport and many other health-related expenses.
There are two private health insurance companies which specialise in providing insurance for Defence Families: Defence Health and Navy Health.
The National ADF Family Health Program, is the scheme which provides subsidies for GP visits and some allied health expenses for recognised dependents of ADF members. Visit the ADF Family Health Program webpage for more information.
Visit www.defence.gov.au/health/index.htm > Family Healthcare (under Quick Links)
Insure? Not Sure? e-booklet from the Private Health Insurance Administration Council
Australian Government Private Health Insurance website
Australian Defence Credit Union
ADF members are eligible for the Defence Service Homes Insurance Scheme. Defence Service Homes Insurance offers a range of home, contents and other insurance policies. Click on the link to see if insurance from Defence Service Homes Insurance Scheme is right for you.I need home insurance
Defence Services Homes Insurance Scheme
I need information about child support payments
Visit the Separated Parents section of the Department of Human Services website for more information.
The ADF Financial Services Consumer Council wrote this article on Child Support (August 2010)
Visit www.adfconsumer.gov.au/ and search for ‘Caring for Kids’.
I need information about superannuation
The ADF Financial Council has an online module which explains superannuation.
Visit www.adfconsumer.gov.au> Guides > Making Your Money Work > Getting the Most From Your Super
Defence Partners can apply for financial assistance under the DCO Partner Employment and Education Program (PEEP) to cover the costs associated with setting up a superannuation fund such as financial planning advice, so partners are not disadvantaged by being unable to contribute towards long-term superannuation.
Visit www.defence.gov.au/dco >Partners
Military Super is the common name for the Military Superannuation and Benefits Scheme (MSBS). All new members of the ADF must become members of Military Super. The Defence Force Retirement & Death Benefits Scheme provides benefits for Members who entered the Defence Force between 1 October 1972 and 30 September 1991.
Defence Force Retirement & Death Benefits Scheme.
The Australian Superannuation Fund Association consumer site.
We need financial assistance
The Emergency Support to Families Scheme (ESFS) has been developed to provide short term assistance to ADF member’s dependents in an emergency situation where the member is away from home for service reasons.
Families can seek support or referrals any time from the Defence Family Helpline on 1800 624 608. More information can be found on the DCO website.
Visit www.defence.gov.au/dco/ > Managing Times of Difficulty
Trust Funds have been set up by the services and ex-serving members to support members and families during service and on retirement.
Army Relief Trust Fund. Visit www.artf.com.au
The RAN Relief Trust Fund. Income for the fund is from donations from Navy Canteens and interest accrued from investments. Visit www.navycanteens.com.au/node/102
The Defence Force Welfare Association (DFWA) Welfare Relief Trust Fund. Visit www.dfwa.org.au.
We need to make a will
ADF members must have a legal will before deploying on overseas operations. ADF members can approach the Legal Officer attached to their unit to prepare a personal will or a joint will with a recognised partner.
Are there any special offers available to us?
Defence Holidays North Queensland
Defence Holidays North Queensland is a holiday service for Australian Defence Force Members and their families to be able to have a holiday at an affordable price. While primarily for the use of active Serving Members, this service is also extended to Reservists, Defence civilians, Overseas Defence Force Members and Ex-Serving Members.
Royal Australian Navy Central Canteen Fund (RANCCF)
RANCCF offer a range of services to serving and former ADF members including online shopping at Salt, discounted performances at Navy Ticketing, holiday accommodation and financial assistance.
Visit www.navycanteens.com.au for the full range of services.
The SALT Vacation Club, gives customers access to over a hundred resorts Australia wide and to international resorts in exotic locations such as New Zealand and Fiji.
Visit http://salt.affordableholidays.com.au or call 1300 797 577.
The RANCCF has recently expanded to offer discount international holidays through a partnership with the Armed Forces Vacation Club based in the USA.
For the full listing of RANCCF holiday options visit www.ranccf.com/holidays.htm.
The not-for-profit RAAF Welfare Recreation Company provides holiday units at Merimbula, NSW, Surfers Paradise, QLD and Darwin, NT.
The not-for-profit Army Amenities Fund currently operates units in Sydney, Goolwa, SA and Kalbarri, WA. The fund is reviewing its operations in other states.