Invalidity Requirement Benefits-NTGDIS: DIS-P02-V01
This fact sheet outlines the procedures that an NT Government employee who is a member of a ‘choice of fund’ superannuation fund needs to follow in order to retire on the grounds of invalidity under the Northern Territory Government Death and Invalidity Scheme (NTGDIS).
‘Invalidity’, as defined in the Superannuation Act, means that you have become physically or mentally so incapacitated that you are unable to perform any available work for which you are reasonably qualified by education, training or experience with any employer covered by the NTGDIS.
Eligibility for Invalidity Retirement
In order to become eligible for invalidity retirement, you must go through the invalidity retirement process. At the end of this process, the request for invalidity retirement must be approved by the Commissioner of Superannuation and the Chief Executive Officer of the agency in which you work.
Exclusion from Receiving Invalidity Retirement Benefits
In some circumstances, you may not be eligible for additional invalidity retirement benefits from NTGDIS. These circumstances include, but are not limited to, you being over the age of 60 or you being in receipt of workers’ compensation benefits.
Invalidity Retirement Process
If your treating doctors believe that you should be retired on medical grounds, you should discuss this with your Human Resources unit. They will arrange for you to be examined by an approved health practitioner (AHP).
An AHP is usually a general practitioner (GP) who is not your treating doctor. In addition to the AHP’s examination, you will also have to be examined by a specialist.
The results from these consultations and any other supporting documents that you may have will be sent to the NT Medical Advisor for review via the Superannuation Office. The NT Medical Advisor makes a recommendation to your employer about your capacity for continued employment. As the Superannuation Office provides administrative support to the NT Medical Advisor, all reports are sent to this office.
If the recommendation is that you are incapacitated as described in the Superannuation Act, and therefore should be retired on medical grounds, it will then be sent to your Human Resources unit. The Chief Executive of your agency will write to the Commissioner of Superannuation and seek approval to retire you on the grounds of invalidity.
If this request is approved by the Commissioner of Superannuation, your agency may complete an Instrument of Retirement and you may be eligible for an invalidity retirement benefit.
Fitness for Continued Duty
As a result of the invalidity retirement process, you may be assessed as still being able to perform some form of paid work, possibly in a different role, and therefore not entitled to an invalidity benefit from the NTGDIS.
Workers’ Compensation Payments
If you are entitled to payments under workers’ compensation legislation or a workers’ compensation agreement such as a Hopkins agreement, any NTGDIS benefit will be reduced by the amount of the workers’ compensation payments.
In most cases, the NTGDIS benefit will be completely offset by the workers’ compensation payment.
Terminally Ill Members
Applications for invalidity retirement for members who are terminally ill are processed with priority.
If you have a terminal illness and the AHP and the specialist states in their report that you are terminally ill and are not expected to survive 12 months, then your invalidity benefit will be paid free of tax.
Your benefits are calculated according to a formula. This formula takes into account your nominal retirement age, which is 65 for most NT public servants.
Should you retire on the grounds of invalidity while covered by NTGDIS, your benefit will be equal to:
- 17.5% ×
- your benefit salary (your actual salary and approved allowances at your exit date) ×
- a multiplier based on your age at exit date from employment:
- (a) if you are 60 or over, the multiplier is zero;
- (b) if you are between 55 and 60 years of age at exit date, the multiplier is the difference between your age and 60;
- (c) if you are between 50 and 55 years of age at exit date, the multiplier is the difference between your age and 65, minus the difference between your age and 50;
- (d) if you are, on the exit date, less than 50 years of age – the multiplier is the difference between your age on the exit date and 65
- 1 (if you are full-time) or your part-time ratio (if you are a part time employee).
Note: part of a year in (b), (c), or (d) is expressed as a decimal fraction.
Example 1: Michael was a full-time NT public servant. He retires on grounds of invalidity at age 57. He has a benefit salary of $65 000. The calculation for his invalidity retirement benefit is as follows:
17.5% × $65 000 × (60-57) × 1 =
17.5% × $65 000 × 3 x 1 = $34 125
Example 2: Gary was a full-time NT public servant. He retires on grounds of invalidity at age 52. He has a benefit salary of $65 000. The calculation for his invalidity retirement benefit is as follows:
17.5% ×$65 000 × (65-52-2) × 1 =
17.5% × $65 000 × 11 × 1 = $125 125
Example 3: Mary was a full-time NT public servant. She retires on grounds of invalidity at age 48. She has a benefit salary of $65 000. The calculation for her invalidity retirement benefit is as follows:
17.5% × $65 000 × (65-48) ×1 =
17.5% x $65 000 x 17 x 1 = $193 375
Enquiries about Assessment Progress
Please be aware that we cannot provide personal financial advice. If you require assistance, you can seek the services of a qualified professional.
For general information, please contact the NT Superannuation Office by phone +61 8 8901 4200 or email email@example.com. Please be aware the NT Superannuation Office cannot provide personal financial advice. If you require assistance, you can seek the services of a qualified professional. Enquiries about the progress of your assessment should be directed to your Human Resources Unit.
The Superannuation Office will use any information provided by you during the invalidity retirement assessment process, including your medical information, in accordance with our Information Privacy Statement. This means that we will keep your information as confidential as possible. However, we may need to liaise directly with your Human Resources unit, GP, other AHPs, or the NT Medical Advisor.
Generally, we cannot disclose the contents of any medical reports to you. If you would like to have them disclosed to you, you will need to send a request to us in writing and we may disclose the information to your GP.
While the NT Superannuation Office will retain copies of your documents, the originals will be returned to your Human Resources unit.
The material in this fact sheet is provided for information purposes only. It does not take into account your personal circumstances and should not be relied upon for making financial commitments.
The Commissioner of Superannuation and the Northern Territory of Australia accept no responsibility for any losses arising from any use or reliance upon the information or conclusions reached using the information.
Last updated: 27 March 2018