Managing your employees’ super

Keeping your employees’ and business details up to date is important as it ensures payments are correctly allocated and made on time with the correct information. It will also allow us to contact our members to receive important information about their super, annual statements and important changes that may affect them.

You can update and edit details about employees who are current members of Rest directly in EmployerAccess or through your contribution file.

Login to EmployerAccess > Manage details

If you need to make adjustments to contributions (for example if there has been an overpayment), contact us on 1300 305 775 between 8am and 8pm weekdays and we will help.

If an employee passes away, please call 1300 305 775 between 8am and 8pm weekdays to report their death and to find out how the employee’s beneficiaries can claim their benefit.

If an employee retires, they may be eligible to establish a regular income stream by setting up a Rest Pension (subject to minimum account balance requirement of $10,000).

Alternatively, they will be able to leave their super balance with Rest until they have decided what to do next. Rest members also have access to personalised financial advice through Rest Advice*, to help them make good decisions with their super.

*Rest financial advice is provided by Rest Advisers as authorised representatives of Link Advice Pty Limited ABN 36 105 811 836 AFSL 258145.

If an insured member is partially disabled beyond the end of the Waiting Period and has been totally disabled for at least 7 out of 12 consecutive days during the Waiting Period, a partial disability benefit may be payable.

Employers may be asked to complete an employer statement as part of the claim process. This includes the last date of work and any partial duties. They may also be involved in the rehabilitation process.

It’s important to advise us as soon as possible when:

• employees leave
• new employees start
• employees take maternity leave, paternity leave, or unpaid leave (important for insurance purposes)
• employees’ salaries change (for Rest Corporate members). Please confirm salaries at least annually, around June, however you can update salaries as they change through your monthly contribution file.

You’re not required to pay super for employees on unpaid leave. However, we encourage members to contact us if they won’t be working for an extended period of time as this may impact any claim for Income Protection or Total and Permanent Disability cover they may have in their Rest account.

Employers are required to provide Rest with the TFN of an employee who is a Rest member within 14 days of them giving it to you, or when you make the first SG contribution on their behalf. The Australian Taxation Office (ATO) may apply penalties if you’re late in providing an employee’s TFN.

Benefits of supplying us with your employees' TFNs:

• we’ll be able to accept all types of contributions to their account
• additional tax for non-quotation of TFN will not be charged
• it’ll be easier to trace lost super, so they receive all their super benefits when they retire.

If a Rest member becomes totally and permanently disabled, they may be able to make a claim for their total account balance plus any insured amount (if applicable).

The value of any insured benefit is treated separately to the balance of their Rest account.

Employers may be asked to complete an employer statement as part of the claim process.

The waiting period is the length of time the member needs to be off work due to illness or injury before they can make a claim.  The waiting period affects how much insurance costs.  A shorter waiting period will cost more but means the member will receive a benefit payment sooner. 

Please note that the waiting period options for Rest Corporate and Rest Super may vary. Please check the respective Rest Corporate Insurance Guide and Rest Super Insurance Guide for more information.