Total and Permanent Disability (TPD) claims

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

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. Get more information about this here.

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

How much am I entitled to?

Provided you have TPD insurance with Rest, your TPD claim is made up of your TPD insurance cover at the date of your disability and the money in your super account.

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.

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.