{"id":"F2015L01277","name":"Defence Force Retirement and Death Benefits (Sustaining the Superannuation Contribution Concession—DFRDB Pension Reduction Conversion Factors) Determination 2015","slug":"defence-force-retirement-and-death-benefits-sustaining-the-superannuation-contribution-concession-df","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"in_force","isInForce":true,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":438378,"registerId":"F2015L01277-fast-fetch-1775954830674","compilationNumber":null,"startDate":"2026-04-12","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Defence Force Retirement and Death Benefits (Sustaining the Superannuation Contribution Concession—DFRDB Pension Reduction Conversion Factors) Determination 2015","content":"---\nmeta-content-style-type: text/css\nmeta-content-type: application/xhtml+xml; charset=utf-8\n---\n\n?xml version=\"1.0\" encoding=\"utf-8\" standalone=\"no\"?>\n\n![](image.001.jpeg)\n\n \n\nDefence Force Retirement and Death Benefits (Sustaining the Superannuation Contribution Concession—DFRDB Pension Reduction Conversion Factors) Determination 2015\n\nI, Peter Carrigy‑Ryan, Chief Executive Officer, Commonwealth Superannuation Corporation (CSC), delegate of CSC, make the following determination.\n\nDated  4 August 2015\n\nPeter Carrigy‑Ryan\n\nChief Executive Officer\n\n \n\n \n\n \n\n \n\n \n\nContents\n\n1 Name\n\n2 Commencement\n\n3 Authority\n\n4 Age in relation to time that retirement or invalidity pay becomes payable\n\n5 Conversion factors\n\n \n\n1  Name\n\n  This is the Defence Force Retirement and Death Benefits (Sustaining the Superannuation Contribution Concession—DFRDB Pension Reduction Conversion Factors) Determination 2015.\n\n2  Commencement\n\n (1) Each provision of this instrument specified in column 1 of the table commences, or is taken to have commenced, in accordance with column 2 of the table. Any other statement in column 2 has effect according to its terms.\n\n \n\n- Commencement information\n- Column 1 Column 2 Column 3\n- Provisions Commencement Date/Details\n- 1. The whole of this instrument The day after this instrument is registered.\n\n\nNote: This table relates only to the provisions of this instrument as originally made. It will not be amended to deal with any later amendments of this instrument.\n\n (2) Any information in column 3 of the table is not part of this instrument. Information may be inserted in this column, or information in it may be edited, in any published version of this instrument.\n\n3  Authority\n\n  This instrument is made under subsection 49N(3) of the Defence Force Retirement and Death Benefits Act 1973.\n\n4  Age in relation to time that retirement or invalidity pay becomes payable\n\n  For the purposes of this instrument, the age of a person in relation to the time that retirement pay or invalidity pay becomes payable is as follows:\n\n (a) if that time occurs on the person’s birthday—the age of the person on that day;\n\n (b) otherwise—the age of the person at the person’s last birthday before that time.\n\n5  Conversion factors\n\n  The conversion factor that is applicable to a person is the factor set out in the following table for the age of the person in relation to the time the retirement pay or invalidity pay becomes payable.\n\n \n\n- Conversion factors for DFRDB retirement or invalidity pay\n- Item Column 1Age of person Column 2Conversion factor\n- 1 15 25.8\n- 2 16 25.8\n- 3 17 25.8\n- 4 18 25.8\n- 5 19 25.7\n- 6 20 25.7\n- 7 21 25.7\n- 8 22 25.7\n- 9 23 25.6\n- 10 24 25.6\n- 11 25 25.6\n- 12 26 25.5\n- 13 27 25.5\n- 14 28 25.5\n- 15 29 25.4\n- 16 30 25.4\n- 17 31 25.4\n- 18 32 25.3\n- 19 33 25.3\n- 20 34 25.2\n- 21 35 25.2\n- 22 36 25.1\n- 23 37 25.1\n- 24 38 25.0\n- 25 39 24.9\n- 26 40 24.9\n- 27 41 24.8\n- 28 42 24.7\n- 29 43 24.6\n- 30 44 24.6\n- 31 45 24.5\n- 32 46 24.4\n- 33 47 24.3\n- 34 48 24.2\n- 35 49 24.1\n- 36 50 24.0\n- 37 51 23.9\n- 38 52 23.8\n- 39 53 23.7\n- 40 54 23.6\n- 41 55 23.3\n- 42 56 22.8\n- 43 57 22.3\n- 44 58 21.9\n- 45 59 21.4\n- 46 60 20.9\n- 47 61 20.4\n- 48 62 19.8\n- 49 63 19.3\n- 50 64 18.8\n- 51 65 18.3\n- 52 66 17.7\n- 53 67 17.2\n- 54 68 16.6\n- 55 69 16.1\n- 56 70 15.5\n\n\n \n","sortOrder":0}],"analysis":{"flash_summary_failed":{"failed":true,"reason":"A positive credit balance is required for all requests, including BYOK, so fallback providers remain available. Add credits at https://vercel.com/d?to=%2F%5Bteam%5D%2F%7E%2Fai%3Fmodal%3Dtop-up to continue.","source":"analysis-cron"},"kimi_summary":{"content_quality":"ok","complexity_score":2,"scope_assessment":{"changed":false,"description":"This instrument remains tightly focused on its original purpose: providing conversion factors for pension reduction calculations. It has not expanded beyond the technical administrative function authorized by subsection 49N(3) of the DFRDB Act 1973."},"complexity_factors":["Very short instrument (only 5 sections)","Single purpose: provides a lookup table of conversion factors by age","Minimal defined terms (only 'age' is specifically defined in section 4)","No cross-references to other legislation except the enabling provision (subsection 49N(3) of the DFRDB Act 1973)","Simple conditional logic (only two rules for determining age: birthday or last birthday)","Straightforward tabular data with no nested conditions or exceptions"],"plain_english_summary":"This Determination sets the age-based numerical conversion factors used to calculate reductions to DFRDB pensions when members accept a superannuation contribution concession. It applies to Australian Defence Force personnel in the DFRDB scheme (and the CSC that administers their benefits) who are receiving retirement or invalidity pay.\n\nBy translating life-expectancy-based durations into a single factor per age, it adjusts pensions to reflect the value of the concession."},"flash_summary":{"complexity_score":2,"scope_assessment":{"changed":false,"description":"This instrument does not change who is eligible for DFRDB benefits or alter substantive entitlement rules in the Act. It specifies parameters for calculating pension reductions — an age rule (s4), a table of conversion factors (s5) and a commencement date (s2) — under the power in s49N(3) (s3). It therefore sets implementation details rather than expanding or narrowing the Act's substantive scope."},"complexity_factors":["Narrow, technical function: instrument only supplies numeric conversion factors rather than substantive entitlement rules (s5).","Clear statutory authority and limited discretion: made under subsection 49N(3) of the Defence Force Retirement and Death Benefits Act 1973 (s3).","Age definition rule introduces a small interpretive point (s4) about whether the birthday counts for the relevant time.","Table-driven calculation (s5) — arithmetic is straightforward but precise application depends on cross-referencing pension reduction formulas elsewhere in the Act.","Operational timing: commencement rule (s2(1)) fixes application from the day after registration, which matters for cases near that date.","Low ongoing compliance burden: administratively implemented by CSC; outcomes mechanically determined by table values."],"plain_english_summary":"**Summary:**\n\nThis instrument fixes the age‑based numeric factors used to convert DFRDB retirement or invalidity pay for the purpose of sustaining a superannuation contribution concession. It applies to people whose retirement or invalidity pay becomes payable and defines how to calculate their age for that conversion.\n\nIt sets a table of factors (ages 15–70), a commencement rule (day after registration) and is made by the Commonwealth Superannuation Corporation (under s49N(3)). Those factors alter reduced pension amounts and therefore affect individual payments and the fiscal cost of the concession."}},"importantCases":[],"_links":{"self":"/api/acts/defence-force-retirement-and-death-benefits-sustaining-the-superannuation-contribution-concession-df","history":"/api/acts/defence-force-retirement-and-death-benefits-sustaining-the-superannuation-contribution-concession-df/history","analysis":"/api/acts/defence-force-retirement-and-death-benefits-sustaining-the-superannuation-contribution-concession-df/analysis","conflicts":"/api/acts/defence-force-retirement-and-death-benefits-sustaining-the-superannuation-contribution-concession-df/conflicts","importantCases":"/api/acts/defence-force-retirement-and-death-benefits-sustaining-the-superannuation-contribution-concession-df/important-cases","documents":"/api/acts/defence-force-retirement-and-death-benefits-sustaining-the-superannuation-contribution-concession-df/documents"}}