The Defined Benefit is a scheme where members receive pension and benefits are calculated using a formula based on the member’s salary at retirement, years of service and age at retirement.
The Defined Benefit Scheme closed to new members in January 2016 but continues to manage benefits for existing members under the scheme.
The member contributes 6% of their fortnightly gross after tax to superannuation.
Members discharged from the PNG Defence Force can access their funds after dismissal, resignation, or retirement. The benefit depends on the years of service and final salary as determined by the Defence Force Retirement Benefits Act and relevant superannuation legislation in Papua New Guinea.
The government funded portion of your benefit and the interest accrued is taxed.
Pensions are subject to salary and wages tax, under the Income Tax Act 2025.
Members of the Defined Benefit Scheme enjoy a range of valuable benefits tailored to their service:
Your retirement payout is calculated using a formula based on your final salary and total years of credited service, offering peace of mind with a predictable benefit.
After five years of continuous contributions, members can access a housing advance to assist in building or purchasing a home.
Contributions and fund earnings are professionally managed to support the sustainability of the scheme and member benefits.
Gratuity is a State-funded component of benefits available to members who contribute for 8 years or more but less than 20 years. This is calculated using a formula determined by the Defence Force Retirement Benefit Act.
Members who contribute for more than 20 years and become eligible for a pension benefit may commute some of that pension to a lump sum payment not exceeding 50% of total retirement benefits as calculated.
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
Board & External Roles
Education & Certification
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