CTSL

Life After Service

MEMBER HOUSING ADVANCE
MEMBER DISCOUNT PROGRAM
LIFE AFTER SERVICE

At Comrade Trustee Services Limited (CTSL), we honour the dedicated service of our members by ensuring a secure and supportive financial future after duty. Whether you’re transitioning to retirement, joining a new employer, or experiencing unemployment, CTSL is here to help you access your benefits and navigate life after service with confidence.

Retirement & Pensions

Upon retirement, CTSL members become eligible to access their superannuation benefits, providing financial security for life after active service. 

Key Retirement Benefits Include: 

  • Lump Sum Payment — A one-time payment of your total superannuation balance. 
  • Pension Option (for Defined Benefit Scheme members) — Eligible members may receive a monthly pension for life, ensuring ongoing financial support in retirement. 

Retirement benefits are processed in accordance with the Superannuation (General Provisions) Act 2000 and the rules of your scheme, whether Defined Benefit or Accumulation. CTSL’s Member Services team is available to guide you through your retirement application and benefit options. 

Transferring to a new employer

If you leave the PNG Defence Force and join a new employer, you have options regarding your superannuation: 

  • Transfer Your Super to an Authorized Super Fund: You may transfer your accumulated benefits to another licensed superannuation fund of your choice in Papua New Guinea. 
  • Access Eligible Funds: In some cases, a portion of your balance may be accessed upon resignation, subject to the Fund’s rules and the Superannuation Act. 

To initiate a transfer, members must complete the relevant withdrawal or transfer form and submit it to CTSL with supporting documents. Our Member Services team will assist in ensuring a smooth transition of your funds. 

Unemployment Benefits

Unemployment Benefits 

If you become unemployed, CTSL provides support through access to your superannuation benefits in line with legal and fund requirements: 

Eligibility for Unemployment Withdrawal: 

  • You must be unemployed for a continuous period, verified by a statutory declaration and supporting documentation. 
  • Benefits will be paid in accordance with the Fund’s rules and the Superannuation (General Provisions) Act 2000. 

To apply, members are required to submit these documents: 

  • a benefit claim form [links to relevant form] 
  • evidence of unemployment, and  
  • a statutory declaration 

CTSL will process your application and disburse eligible benefits upon approval. 

Frequently Asked Questions

You can access your super upon retirement, unemployment, resignation, or by transferring to another authorized fund, subject to eligibility.

If you’re a Defined Benefit Scheme member and meet the criteria, you can opt for a monthly pension. Accumulation Scheme members receive a lump sum payment.

Complete a transfer application form [links to relevant form], submit required documents, and we’ll manage the secure transfer of your funds to the chosen fund.

A completed claim form, statutory declaration, and evidence of unemployment.

Yes — retirement and withdrawal benefits are subject to taxation under Papua New Guinea’s tax laws.

Processing times vary but typically take up to 30 working days from submission of all complete documents.

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Flare Namaliu

Independent Director

Professional Summary

Flare Namaliu is a technology and governance professional with experience across Papua New Guinea’s telecommunications, financial services and technology sectors. She has held senior roles with Huawei Technologies, Connected PNG Ltd, Credit Corporation PNG Ltd and CPL Group PNG Ltd, with expertise in digital transformation, cybersecurity, ICT strategy and corporate governance.

Flare is currently Executive Director of CPL Group PNG Ltd and Managing Director of Digital Transformative Partner Ltd, where she advises organisations on technology strategy, digital transformation and ICT governance. She brings valuable experience in technology oversight, risk management and organisational transformation to the CTSL Board.

Key Expertise & Contributions

  • Digital Transformation – Leading technology-enabled business transformation and modernization initiatives across large organizations.
  • Cybersecurity – Developing strategies to strengthen cyber resilience, information security, and enterprise risk management.
  • ICT Strategy & Governance – Aligning technology investments with organizational objectives while strengthening governance frameworks.
  • Cloud Computing & Networking – Extensive technical expertise in enterprise networking and cloud technologies gained through telecommunications and IT leadership roles.
  • Corporate Governance – Board-level experience in governance, strategic oversight, risk management, and executive decision-making.
  • Technology Risk Management – Advising organizations on technology risk, compliance, and innovation.

Board & External Roles

  • Director – CTSL Board
  • Director – Toea Homes Limited Board
  • Executive Director – CPL Group PNG Limited
  • Founder & Principal Consultant – Digital Transformative Partner Limited

Education & Certification

  • Master of Information and Communication Engineering
    Harbin Engineering University, Harbin, China
  • Executive Master of Business Administration (Executive MBA)
    University of Papua New Guinea (UPNG)

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