Why do I have insurance?

Did you know that when you join Rest, most members are automatically covered for insurance? That's because we care about looking after our members. After all, it's better to be prepared for the unexpected, no matter what age you are. We also give you the flexibility to change this insurance, or remove it, if you decide it doesn’t meet your needs.


What's Covered?

Rest members received over $411 million* in claims over the last year.

Death cover

In the unfortunate event of your death, your loved ones could receive a lump sum payment, or if chosen, a pension.

Total and Permanent Disablement benefit (TPD)

If you become totally and permanently disabled as a result of being sick or injured, you may be eligible to receive a lump sum payment.

Income Protection

If you’re unable to work for a prolonged period due to injury or illness, you may be eligible to receive an income stream.

Insurance code of practice

In 2017, Rest adopted the Insurance in Super (ISWG) Voluntary Code of Practice. The Code is the super industry’s commitment to high standards when providing insurance cover to our members.


Am I insured?

Most members will have insurance cover. To find out what types of insurance you have and how much you're covered for, login to MemberAccess and click the 'Insurance' tab. If you weren't working or aren't employed, you may not have cover. For more information, refer to the Insurance Guide.

Find out more

Change my insurance cover

You can change or cancel your existing cover, call us today: 1300 300 778 or login to MemberAccess and update your insurance online^.

Change cover

Make a claim

If you're thinking about making a claim, you need to determine which type it relates to from the four options below.

Death claims

Have you lost a loved one?

TPD claims

Have you become totally and permanently disabled as a result of becoming sick or injured?

IP claims

Have you become unable to work for at least 60 days due to sickness or injury?

TI claims

Have you been diagnosed with an illness which has a life expectancy of less than 12 to 24 months?


How long will it take for my claim to be processed?

At Rest, we do our best to payout eligible members as quickly as possible. However, making a claim is a long process that can take a few months before monies are released to members or their beneficiaries. It’s important that you contact us as soon as you think you may have a claim so that we can work through the claims process with you.

Factors that can impact the timing or result of your claim may include:

  • Claim type
  • Complexity of your case
  • Missing information
  • Investigation of claim
  • Information from medical practitioners
We will do everything we can to try and make this process as quick and painless as possible.

What is the claim process?

The claim process typically has 5 key steps:


Contact us

Call us and let us know what happened
1300 300 778


Eligibility check

There’s some criteria you need to meet to make a claim and so we’ll check your account to see if you’re eligible


Claim lodgement and assessment

If you qualify we’ll lodge your claim with our insurer for assessment. We may request more information from you to help with this


Claim review

We’ll review our insurer’s assessment and make a fair and reasonable decision



We’ll let you know the final decision and next steps

Need advice about your insurance?

Rest Advice is all about helping you make good decisions with your super and money.

* As at 30 June 2018

^ Rest Super members only can update insurance online

This website is provided by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 24 0003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund), of which Rest Super, Rest Corporate, Rest Pension and Acumen are part. It contains general advice that has been prepared without taking account of your objectives, financial situation or needs. Before acting on the information or deciding whether to acquire or hold a product, consider its appropriateness and the relevant Product Disclosure Statement (PDS), which is available on this website. The cost of providing financial services is included in the fees in the Fund as disclosed in the relevant PDS. Rest and the Fund do not charge any additional fees or obtain any commissions for the advice provided. Rest’s employees are paid a salary and do not receive any commissions. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited (ABN 86 079 706 657, AFSL 240004), a wholly owned subsidiary company of Rest, manages some of the fund’s investments. Apart from this, Rest does not have any relationships or associations with any related body corporate or product issuer that might reasonably be expected to be capable of influencing Rest in providing financial services.

Rest personal advice is provided by Rest Advisers as authorised representatives of Link Advice Pty Ltd ABN 36 105 811 836 AFSL 258145

Awards and ratings are only one factor to consider when deciding how to invest your super. Further information regarding these awards can be found at rest.com.au/about-rest/awards. Past performance is not an indicator of future performance. SuperRatings Pty Limited does not issue, sell, guarantee or underwrite this product. Go to superratings.com.au for details of its ratings criteria. For further information about the methodology used by Chant West, see www.chantwest.com.au