Claims - Insurance | Rest Super

In the 2024 financial year, Rest paid approximately 12,996 insurance claims for death (including terminal illness), total and permanent disability and income protection, worth approximately $497 million dollars.*

Death cover

Have you lost a loved one?

Find out more

Total and Permanent Disability (TPD)

Have you become totally and permanently disabled as a result of becoming sick or injured?

Find out more

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.

Find out more

Terminal Illness (TI)

Have you been diagnosed with an illness which has a life expectancy of less than 24 months?

Find out more

How long will it take for my claim to be processed?

At Rest, we do our best to payout eligible members as quickly as possible. You’ll be assigned a dedicated claims manager, who will review the information you’ve provided. They may need to ask for more information (such as medical and employment information), to make a decision on your claim. It’s important you contact us as soon as you think you may have a claim, so we can help you to get the process started.

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.

Contact us

Call us and let us know what happened: 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

If we can start a claim for you, we’ll do this over the phone and lodge your claim with our insurer for assessment. We may request more information from you to help with this

Claim review

If your claim isn’t accepted, we’ll review our insurer’s decision independently to make sure its fair and reasonable. If your claim is accepted, we (either Rest or our insurer) will review the information received so we can let you know what is required to receive your payment

Decision

We’ll let you know the final decision and next steps

Contact us

Call us and let us know what happened: 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

If we can start a claim for you, we’ll do this over the phone and lodge your claim with our insurer for assessment. We may request more information from you to help with this

Claim review

If your claim isn’t accepted, we’ll review our insurer’s decision independently to make sure its fair and reasonable. If your claim is accepted, we (either Rest or our insurer) will review the information received so we can let you know what is required to receive your payment

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

Start a claim

Call us on 1300 300 778 from 8am to 8pm AEST/AEDT weekdays. Not sure if you should submit a claim? Give us a call and we’ll help you work out the next steps. Read more about claiming with Rest.

1300 300 778