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Deferred Benefit

What is a deferred benefit?

If you are a member of the State Superannuation Scheme (SSS), State Authorities Superannuation Scheme (SASS), or the Police Superannuation Scheme (Police), and leave the public sector, you have the option to retain your superannuation benefit within your scheme until you reach retirement age.

Retaining your benefits within the scheme is called 'preserving' or 'deferring' your benefit. It generally means that you can keep your accrued benefit rights and receive a larger employer financed benefit.

How do I know if I have a deferred benefit?

It is likely you have a deferred benefit if:

you are not actively contributing to your SSS, SASS or Police account;
you have not started your pension; or
you have not withdrawn your benefit from the scheme.

Important issues to consider about your deferred benefit

Each defined benefit scheme has different issues for deferred members to consider. To find out more select your scheme:

State Superannuation Scheme (SSS)
State Authorities Superannuation Scheme (SASS)
Police Superannuation Scheme (Police)

make the most of your opportunities,
arrange an appointment with a professional financial planner and
discuss your individual situation without cost or obligation.

Register your interest

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The personal information you provide will be used to determine how and when SSFS can assist you in preparing for your retirement, and to send you material which may be relevant to your retirement planning and the services we can provide. Your consent to be contacted by phone will apply until such time as you advise us otherwise. For more details see our privacy policy.

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