Total and Permanent Disability (TPD)

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 receive a TPD insurance payment.

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 receive a TPD insurance claim. Please refer to the relevant Insurance Guide 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 happens if I need to make a claim?

If you need to make a claim, Rest’s Insurer will consider your ability to perform the same (or similar) role, taking into account your previous education, training and employment experience. If you didn’t work at all for 13 months or more before being certified by a doctor as disabled, Rest’s Insurer will look at different aspects of your sickness or injury (such as being unable to do everyday work activities ever again, severe and permanent mental health conditions, severe and permanent cognitive impairment), prior to determining how likely it is that you can return to work in the same or similar role taking into account your previous education, training or experience.

If your claim is accepted by the Insurer, the insurance benefits will be paid into your super account. If you then confirm that you want a lump sum paid to you, Rest is required by law to check that you meet what is known as a “condition of release” which means that you can have your super (including insurance benefits) released to you before reaching your retirement age. If a lump sum is paid to you, all or part of your withdrawal may be taxed.

Other terms and conditions apply to TPD insurance cover. You should read the relevant Insurance Guide to determine if Rest’s TPD cover is right for you.