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If you disagree with a decision made by the Commonwealth Superannuation Corporation (CSC) about your MilitarySuper, DFRDB or ADF Cover benefits, you have the right to challenge it. The formal mechanism is a request for reconsideration.
You request a review by submitting the Application for Reconsideration of a Decision (Form A-RECON). The process is free, but success relies heavily on understanding how to build and submit your case.
The most critical part of a CSC reconsideration is the timeline. You must lodge your A-RECON form within 30 days of receiving the decision notice.
A complete application needs more than the form itself. Before submitting, make sure you have:
The most common mistake is focusing on why a decision feels unfair, rather than why it is factually or medically wrong. The reconsideration panel decides on objective evidence.
Once your form and evidence are assembled, lodge your request by:
Tip: if you post your application, use Registered Post so you have tracking and proof of delivery. Check the address on the form you download from csc.gov.au, as it differs by scheme.
CSC will acknowledge your application. The original decision stays in effect while it is reviewed. The reconsideration is decided independently of the delegate who made the first decision – for MilitarySuper by the Military Superannuation and Benefits Committee, and for ADF Cover with input from the Defence Force Case Assessment Panel – and they review your whole file alongside the new evidence.
Because these reviews are thorough, the process can take several months. If you are still unhappy afterwards, MilitarySuper and ADF Cover members can complain to the Australian Financial Complaints Authority (AFCA); DFRDB members go to the Administrative Review Tribunal. Staying organised and presenting clear, medically supported facts from day one is your best strategy.
30 days from receiving the decision notice. Later applications need a written explanation and are accepted only at CSC's discretion.
The Application for Reconsideration of a Decision (Form A-RECON), with a copy of the decision letter and your evidence.
No. CSC reconsideration is free.
By email to reconsideration@csc.gov.au, or by post to the address on the current form.
VHC writes the medical evidence a reconsideration turns on – a Rule 22 classification report that answers CSC's reasons point by point. See CSC invalidity class appeals, call 0429 146 039 or email reception@vhc.org.au.
General information only; not legal or financial advice. Confirm the current form, address and review pathway in your decision letter and on csc.gov.au.

Reviewed by Dr Thomas Perkins
Founding doctor, Veterans Health Centre · former RAAF aviation medical officer · 13 years working exclusively with ADF members and veterans. Full profile →