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How is an APSS Defined Benefit Calculated?

Media release - 01 November 2022

The Defined Benefit formula combines three elements, often expressed like this:

Your accured benefit multiple

Your Accrued Benefit Multiple may comprise of one or more multiples. Refer to the Super Savings - Corporate Defined Benefit Information Handbook for APSS at for details.

Important information to consider

Calculating your Defined Benefit is only as simple as in the graphic above if you've only ever been a Category A (14.3%) member with, for example, no probationary service, no service as a Category B ('SG') Defined Benefit member, no pre-1 July 1990 service, and no 'catching-up' to do.

If one or more of these periods of service apply to you, the calculation of your Defined Benefit is more complicated as different accrual rates apply for each period. A multiple is generally derived by multiplying the relevant accrual rate used in your formula, for example 14.3%, by your years of service, adjusting for any part-time periods. For details on your specific benefit, please log in at to check your details, and refer to the Super Savings - Corporate Defined Benefit Handbook for APSS available at

Find out more

For more information about your Defined Benefit, please download the How does a Defined Benefit work? factsheet available at or contact us on 1800 652 643 between 8.00am and 6.30pm AEST, Monday to Friday.