Terminal Illness claims (TI)

If you’re insured for Death cover, you’ll also be automatically insured for Terminal Illness.

As a Rest member, if you’re terminally ill, you can access your superannuation account balance and insurance benefits (if applicable) tax-free.

The information of this page applies to Rest Super and Rest Corporate members. Acumen members should refer to their Member Guide. 

Am I eligible for a Terminal Illness benefit?

The information that you and your doctors provide will assist Rest’s Trustee and insurer (if applicable) to determine your eligibility to receive a benefit payment.

What is a Terminal Illness benefit claim?

A Terminal Illness benefit claim is a claim that can be made for a benefit if it’s medically determined that you have less than 24 months to live. (The information on this page applies to Rest Super and Rest Corporate members. Acumen members should refer to their Member Guide).

At least two registered medical practitioners, with one being a specialist in that medical field, need to have concluded that you are terminally ill and or injured with less than 24 months to live. The certification period must also be current and not have ended.

A Terminal illness benefit consists of:

Rather than being a stand-alone benefit, the Terminal Illness benefit is an early payment of the Death benefit and reduces your Total and Permanent Disablement amount insured (if any) by the amount paid.

If you don’t have Death insurance cover with Rest, your Terminal Illness benefit will be your account balance only.

If you're a Rest Super or Rest Corporate member:

1) Your super balance less any admin fees and taxes, plus any positive or negative earnings, credited to the account up to the date of payment


2) An Insurance benefit (if applicable) for an amount the same as your Death cover. Terminal illness isn’t a stand-alone benefit and any payment made in the event of you being diagnosed as terminally ill will reduce your TPD insurance by the same amount.

What do I need to make a claim?

Step 1:
You’ll need to have some basic information on hand before calling us. This will help us check if we can start a claim for you. Have ready:

  • Your Rest member number
  • Your life expectancy.

Step 2:
Call us on 1300 300 778 to start the conversation and obtain a claim form.

Step 3:
Complete and return the claim form and supporting documentation.