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This category of membership provides eligible members with a defined benefit with accrual rates above the Superannuation Guarantee and includes total and permanent disablement (TPD) and death benefits in addition to retirement/leaving service benefits.

Defining your APSS Defined Benefit

Can you calculate 2 x 2 x 2? Calculating an APSS Defined Benefit is not that much harder, as explained here.

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

Your 'accrual rate' (e.g. 14.3%)


Final Average Salary (FAS)


Years of Service

This rate is determined by your member category. For a 'full' member the figure is 14.3%. The rate is different if you're an SG or CSS member (see your annual benefit statement for details). Your FAS is generally the average of your superannuation salaries on your last three birthdays. Your years of employment or 'service' with Australia Post (or an Associated Employer). See the Your Defined Benefit and Member Savings PDS for details.

How to work out your FAS

Add together your last three years of super salary, then divide by three. For example:

$51,300 + $52,000 + $53,000 = $156,300 ÷ 3 =


super salary
super salary
super salary
3 year total super salary


Calculating a 14.3% Defined Benefit - Simple example

Extending the above example, let’s assume there are 8 years of full-time service. In this case, the APSS Defined Benefit can simply be calculated like this:

Accrual Rate




Years of Service


Defined Benefit

14.3% $52,100 8 years $59,602

Can it really be so simple?

Yes and no! It really is that simple if you’ve only ever been a 14.3% member with, for example, no probationary service, no service as an ‘SG’ Defined Benefit member, no pre-1 July 1990 service, and no ‘catching-up’ to do.

If one or more of those variables do apply to you however, the calculation of your benefit gets a bit trickier as there are more elements involved. That’s why we use something behind the scenes called a ‘multiple’. You may notice this on your annual benefit statement. It’s a number generally derived by multiplying the percentage used in your formula (e.g. 14.3%) by your years of service, but adjusts for any part-time periods. For details on your specific benefit, please loginOpens in new window to check your details, and go to product disclosure to download Your Defined Benefit & Member Savings Product Disclosure StatementOpens in new window.

APSS Defined Benefit in the event of death or total and permanent disablement

In the unfortunate event that you become totally and permanently disabled (TPD) or die, the benefit paid to you (or to your beneficiaries) will be at least the same as what would otherwise be paid had you retired or resigned on the date of TPD or death.

Some members are entitled to an additional death or TPD benefit

If you’re a 14.3% member under age 60, an additional benefit will be paid on top of your defined benefit if you die or become TPD. This additional benefit is approximately equivalent to the defined benefit you would have otherwise had at age 60. For example, suppose a 14.3% member died or suffered TPD at age 45, exactly 15 years before their 60th birthday, when their super salary was $53,000:

Years of potential membership
from date of death or TPD to age 60







15 14.3% $53,000 $113,685
Plus Adjustment* $1,029
Additional benefit in the event of death or TPD**: $114,714
Plus APSS Defined Benefit (as calculated above) $59,602
Total APSS Defined Benefit in the event of death or TPD: $174,316

* Super salary is currently used to calculate a death or TPD benefit for most 14.3% members. Although FAS is generally set equal to super salary in all death or TPD benefit calculations for 14.3% members, FAS and super salary may be different (e.g. as in the example above). In such cases, an ‘adjustment’ needs to be made. Using our previous example, this adjustment would be calculated as follows:
$53,000 (super salary) - $52,100 (FAS) = $900 x 14.3% x 8 years = $1,029.
When you’re over 58, this calculation uses your future FAS at age 60 rather than super salary, and assumes your current super salary remains unchanged to age 60.
** Any additional TPD or Death Benefit that is payable will be in addition to your other APSS benefits.​

Remember - different members have different benefits!

Death and TPD benefits are not the same across all APSS member categories. The example on this page is for a 14.3%
member. If you’re an ‘SG’ or ‘CSS’ member, or if you have insurance through an APSS Spouse or Rollover account, please
refer to your annual benefit statement and the relevant Product Disclosure Statement for details on how entitlements apply
on death or TPD. Also, please remember that there are strict rules governing the payment of your APSS benefit if you suffer
TPD. Don’t assume it’s automatically paid just because you can no longer work as a result of an illness or injury. Read your
Product Disclosure Statement for details.


There are procedures in place to make sure your superannuation salary will generally not decrease if your pay decreases.
To find out more about your superannuation salary, call Australia Post HR Operations on 1300 363 772, or contact your
Payroll or HR Manager if employed by an Associated Employer.