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Defined Benefit Pensions Explained

A comprehensive guide to CSS, PSS, state government schemes, and other defined benefit super funds — how they work and how they differ from account-based pensions.

Topics we'll cover:

What is a defined benefit pension?
CSS, PSS & state schemes
How benefits are calculated
Commutation options
Centrelink treatment
Tax on DB pensions
Reversionary benefits
DB vs account-based comparison

Want to know when this page is ready?

In the meantime, explore:

💰 Account-Based Pensions The most common type of super pension 📋 Term & Restricted Pensions Legacy products and Centrelink treatment 🧾 Tax on Super Withdrawals Including untaxed fund rules
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