Total and Permanent Disability (TPD) claims

If you have Total and Permanent Disability (TPD) cover, and you become sick or injured to the extent that you’re unlikely to work in a suited occupation ever again, you may be entitled to make a TPD insurance claim.

There are other parts to the TPD definition, such as being unable to do everyday work activities ever again, severe and permanent mental health conditions, severe and permanent cognitive impairment that may also entitle you to make a TPD claim. Please refer to the relevant Rest Corporate or Rest Super insurance guides for full details.

What’s a TPD benefit?

Our TPD insurance aims to protect you by providing you with a lump sum payment which allows you to continue to pay living expenses and debts when faced with a serious permanent disability. For a full definition of TPD insurance see the relevant Insurance Guide here.

Am I eligible for a TPD benefit?

You need to be medically certified with a total and permanent disability and also meet Rest’s eligibility criteria to receive a TPD insurance benefit.

If you have TPD insurance with Rest at the date of your disability, our insurer will use the information provided by you and your doctors to make a decision on your claim. We’ll determine if you’re eligible to be paid the insurance benefit, plus your super account balance.

If you don’t have TPD insurance, you may be eligible to access your super account balance only.

To find out if you can apply for a TPD benefit, call us on 1300 300 778.

How much am I entitled to?

If your Insurance Claim is approved you could be eligible to withdraw your account balance and insurance benefit, less any fees and taxation amounts.

You can check your account balance, by logging into MemberAccess, in the Rest mobile app or by calling us.

Your TPD insurance benefit is your TPD insurance cover as at the date of your disability.

Death and TPD are linked benefits. How does this affect me?

Payment of a TPD insurance benefit reduces your Death cover by the same amount.

What do I need to do to make a TPD claim?

If you’ve suffered an illness or injury which means it’s unlikely that you can ever work again, you may be eligible to claim a TPD benefit. It's important to call us as soon as possible to start the claim process:

Step 1:
It’s helpful to have the following information on hand when calling us:

  • your Rest member number
  • the date you first consulted a doctor for your condition
  • the last date you were actively at work
  • details of your employer(s) up to 12 months prior to the last day you were actively at work including:
    • Contact person
    • Phone number
    • Address
    • Email address

Having trouble gathering this information? Don’t worry – just get together as much as you can and we’ll work it out with you when you call.

Step 2:
Call us on 1300 300 778 to start the conversation and we’ll guide you through the steps of the claim process.