Defined Benefit members
The information and documents contained on this site are unique to APSS.
However some links may take you to the Australian Retirement Trust public site which contains general information that may be relevant to you but does not take into consideration your plan-specific arrangements.
The APSS plan (Defined Benefit Members) is closed to new members. For copies of information previously provided to you (including copies of the PDS) please contact us on 13 11 84.
Significant notices and updates
Important update – 1 April 2025This important update applies to any Super Savings – Corporate Product Disclosure Statements for Accumulation Account issued between 1 July 2024 and 31 March 2025, and the Super Savings Investment Guide and Product Disclosure Statement for Income Account and Lifetime Pension issued 8 July 2024.
This important update applies to any Super Savings – Corporate Product Disclosure Statements for Accumulation Account issued between 1 July 2024 and 31 October 2024.
PDS & Guides
Defined Benefit HandbookThis handbook provides information to help you understand your Defined Benefit and your additional accumulation plan.
This guide details the standard and additional insurance available in your plan and the fees and costs that apply to your account.
Important information about how superannuation works (including Income accounts), and more details of the fees and costs that apply to your account.
Details of the investment option available to you, and information on determining your investor needs.
Employee Accumulation and Income Account members
Accumulation members were known as Rollover members prior to the transition to Australian Retirement Trust.
Income account members were known as Pension members prior to the transition to Australian Retirement Trust.
The information and documents contained on this site are unique to APSS.
However some links may take you to the Australian Retirement Trust public site which contains general information that may be relevant to you but does not take into consideration your plan-specific arrangements.
The documents listed in this section do not cover Defined Benefit or Super Savings accounts.
Significant notices and updates
Important update – 1 April 2025This important update applies to any Super Savings – Corporate Product Disclosure Statements for Accumulation Account issued between 1 July 2024 and 31 March 2025, and the Super Savings Investment Guide and Product Disclosure Statement for Income Account and Lifetime Pension issued 8 July 2024.
This important update applies to any Super Savings – Corporate Product Disclosure Statements for Accumulation Account issued between 1 July 2024 and 31 October 2024.
PDS and Guides
Super Savings – Corporate Product Disclosure Statement for Accumulation AccountA summary of the significant information you need about your Super Savings – Corporate account, including standard insurance and fees.
Important information about Income accounts.
Use this form to open a new Income account.
This guide details the standard and additional insurance available in your plan and the fees and costs that apply to your account.
Important information about how superannuation works (including Income accounts), and more details of the fees and costs that apply to your account.
Details of the investment option available to you, and information on determining your investor needs.
Important information about the annual fees and costs (“Cost of Product”) for each investment option available to you.
This page provides information about Target Market Determinations. It describes the target markets for which Australian Retirement Trust products have been designed, taking into consideration their likely objectives, financial situation and needs.
Insurance Calculator
Insurance CalculatorThis insurance calculator is for employee members who have an Accumulation account (formerly known as a Rollover Account) only. The premiums outlined in this calculator do not apply to insurance associated with a Defined Benefit account.
To use this calculator, click on the link above and once the file has opened, select ‘Enable editing’ from the yellow ribbon at the top.
Insurance - apply today
Apply todayAssess your insurance needs and easily apply online for extra insurance today.
Non-employee Accumulation and Income Account members
Accumulation members were known as Rollover (non-employee) members prior to the transition to Australian Retirement Trust.
Income account members were known as Pension (non-employee) members prior to the transition to Australian Retirement Trust.
The information and documents contained in the above sections are unique to employee members of APSS. Non-employee members are not eligible to be members of the APSS plan.
PDS & Guides
The Super Savings and Pension PDS and Guides are available at art.com.au/pds
Needing a form?
Do you have to take action on your account? Access your forms here and stay on top of the things you need to do for super and retirement.