Your insurance during the coronavirus pandemic

As the coronavirus continues to raise medical concerns, insurance can be an important protection for you and your loved ones. Members with death, total and permanent disability, or income protection cover through Rest should be comforted to know we do not have any exclusions for pandemics including coronavirus.

Income Protection claims due to coronavirus

It’s important to remember our default income protection is designed to cover members who are sick or injured, and unable to work for an extended period. While we don’t exclude coronavirus, you’d have to be sick and unable to work for your waiting period, this is generally 60 days before your claim would be accepted. In most cases the symptoms of coronavirus don't result in people being off work ill for more than 60 days. It’s important to check your waiting period, which you can do by calling us, or you can do online in the Insurance tab of MemberAccess, or by calling us.

What if I've been stood down or made redundant from my job because of the coronavirus?

Income protection covers people who are too sick or injured to work for an extended period. Unfortunately, being stood down or redundancy alone is not covered by income protection insurance.

Will my income protection still cover me if I'm working from home?

Your income protection cover will not be impacted if you’ve been asked to work from home by your employer, so long as you are otherwise eligible to claim.

For more information, see your Insurance Guide


FAQs

Does my insurance with Rest cover pandemics?


Rest insurance is provided by TAL Life Limited. This insurance does not exclude pandemics.

Rest’s income protection covers our members who are too sick or injured to work for an extended period. If you suffer from sickness or injury and can’t return to work for an extended period, you may be able to lodge an income protection claim with Rest, once you meet the eligibility criteria.

Does that mean I can make a claim for time off work under my income protection cover?


Coronavirus is generally unlikely to be claimable under Rest's income protection cover. Not because we exclude it, but because our default income protection is designed to cover members who are sick and can’t work for the initial waiting period of more than 60 days. In most cases the symptoms of coronavirus don’t result in people being off work ill for more than 60 days. It’s important to check your waiting period, which you can do by calling us, or you can do online from 1 April in the Insurance tab of MemberAccess.

I’ve been made redundant from my job. Can I claim on my income protection?


Income protection covers people who are too sick or injured to work for an extended period. Unfortunately, redundancy is not covered by income protection insurance.

My employer has asked me to work from home. Will my income protection still cover me if I’m working from home?


Your income protection will not be affected if you’re working from home and then become too sick or injured to work. You’ll still need to meet the eligibility criteria if you want to lodge a claim with Rest. Our default income protection cover is designed to cover members who are sick or injured and can’t work for more than 60 days.

I’ve had to take leave without pay. Will I still be covered by income protection?


Your income protection will continue on the same terms and conditions if you go on leave without pay that has been approved by your employer, or if you go on parental leave from your employer. However, it may not continue if you’re still on leave without pay beyond the earliest of:

  • your agreed and scheduled return to work date;
  • 24 months.

Your cover will continue under the same terms, only if your employer has approved the leave in writing before you go on leave. You may also be asked for proof that your agreed leave, and scheduled return to work date, were approved.

Conditions may apply including insurance cover ending due to 13 months continuous inactivity on your super account, unless you’ve chosen to keep your cover. You’ll also need to make sure there is enough money in your super to pay your insurance costs during your leave.

If your income protection claim is successful, the payment will start at the end of the 60 day waiting period, or the date your leave period was scheduled to end (whichever is later).

Will my claim be paid back to the date I contracted my illness?


Your claim will be paid once you have met the waiting period and following an assessment of the claim. It is not backdated to the day you contracted the illness or stopped working.