Claiming with Rest
In the 2025 financial year, Rest paid approximately 12,967 insurance claims for death (including terminal illness), total and permanent disability and income protection, worth approximately $509 million dollars.*
Making a claim
If you're thinking about making a claim, you need to determine which type it relates to from the four options below.
Total and Permanent Disability (TPD)
Have you become totally and permanently disabled as a result of becoming sick or injured? You may be also eligible to claim for Permanent Incapacity (PI).
Income Protection (IP)
Have you become unable to work for an extended period due to sickness or injury? This is generally 60 days. Check your waiting period in MemberAccess.
Terminal Illness (TI)
Have you been diagnosed with an illness which has a life expectancy of less than 24 months?
How to make a claim for a Rest member as a third-party representative
If you are a third-party representative making a claim for a Rest member, there's specific information you need to provide.
How long will it take for my claim to be processed?
We do our best to pay eligible members as quickly as possible. You’ll be assigned a dedicated claims manager, who will review the information you’ve provided. They may ask for more information, like medical and employment details, to help your claim be processed.
It’s important you contact us. You can do this through the Insurance menu in MemberAccess, your online Rest account, or by calling us on 1300 300 778. That way we can help start the process with you.
Factors that can impact the timing or result of your claim may include:
- claim type
- complexity of your case
- missing information
- investigation of claim
- information from medical practitioners
We will do everything we can to try and make this process as quick and painless as possible.
What is the claim process?
The claim process typically has 5 key steps:
Contact us
Let us know what’s happened from either the Insurance menu in your Rest account online, or by calling us on 1300 300 778.
Account check
There’s some criteria you need to meet to make a claim, so we’ll check your account when you call to make sure you can start a claim
Claim lodgement and assessment
Claim review
If your claim is accepted, we’ll check your information and let you know what’s needed for payment. If it isn’t accepted, we’ll independently review the decision to ensure it’s fair.
Decision
We’ll let you know the final decision and next steps
Contact us
Let us know what’s happened from either the Insurance menu in your Rest account online, or by calling us on 1300 300 778.
Account check
There’s some criteria you need to meet to make a claim, so we’ll check your account when you call to make sure you can start a claim
Claim lodgement and assessment
Claim review
If your claim is accepted, we’ll check your information and let you know what’s needed for payment. If it isn’t accepted, we’ll independently review the decision to ensure it’s fair.
Decision
We’ll let you know the final decision and next steps
Our claims philosophy
The following strategic priorities guide our mindset, decision-making and behaviour and form the basis of the Rest's claims philosophy:
- Hone for speed: we’re always refining our process to settle claims faster
- Minimise impact: we limit what we ask of others
- One team: we’re an integrated and supportive team
- Every story matters: we listen to and respect our claimants’ stories
- Supported journeys: we help our claimants complete their claim, and aid in their recovery.
Rest’s claims philosophy aims to:
- provide an empathetic claim experience as opposed to a mere transactional claims process
- ensure members can easily access support in times of need
- actively care for members and prioritise care over assessing/settling a claim
- support members through the claims process and assist them in the next steps of their journey.
The Rest claims philosophy includes consideration of the approach its Insurers have when managing claims. Rest and its Insurers agree on service standards terms documented in a contractual agreement. Rest expects its insurers will:
- understand and apply the documented principles in addition to any requirements dictated by the law;
- comply with the FSC Life Insurance Code of Practice;
- adopt a professional and positive approach towards claims assessment; and
- promptly pay claims that satisfy the policy terms and conditions
Claims Guides
Read our Total and Permanent Disability, Permanent Incapacity, Terminal Illness, and Income Protection claims guides for all the details.
We're here to help
Start a claim
You can start a claim by logging in to your Rest account online and going to the Insurance menu, or by calling us on 1300 300 778 from 8am to 6pm AEST/AEDT weekdays.
Advice when you need it
Getting professional advice shouldn’t be scary. We’ve made it easy for members to get in touch – usually at no extra cost.^
Need extra support?
Interpreter Services
Do you need a translator to help with your Rest account? We offer help in over 160 languages. Call between 8am to 8pm (AEST/AEDT) to find out more.
您需要翻译来帮助您处理 Rest 帐户的问题吗?我们可以提供超过 160 种语言的翻译。请在上午 8 点至晚上 8 点(澳大利亚东部标准时间/澳大利亚东部夏令时)之间致电以了解更多的信息
"क्या आपको अपने Rest Super खाते में सहायता के लिए अनुवादक की आवश्यकता है? हम 160 से अधिक भाषाओं में सहायता प्रदान करते हैं। अधिक जानने के लिए सुबह 8 बजे से रात 8 बजे (AEST/AEDT) के बीच कॉल करें"
Deaf, hearing or speech impaired
You can use the National Relay Service (NRS) to contact us Monday to Friday 8am - 8pm (AEST/AEDT).
- Contact the NRS and choose your preferred Service
- Give the NRS our number 1300 300 778
Important reading
*Internal claims data.
^Rest financial advice is provided by Rest Advisers as authorised representatives of MUFG Retire360 Pty Limited ABN 36 105 811 836 AFSL 258145. For advice on complex situations such as pre-retirement, pensions or retirement the cost will depend on the topic and the member’s circumstances.