REST Super TPD Claims

Retail Employees Superannuation Trust (Rest) is an Australian public offer industry superannuation fund established in 1988. It is one of Australia’s largest superannuation funds by membership, currently with around 2 million members. Originally set up to cater for workers within the retail industry, Rest now accepts members from all occupations and industries. With 160,000 businesses paying superannuation to Rest, the fund currently has more than $50 billion in funds under management.

If you are a member of REST Super, depending on your age and other eligibility criteria, you will receive automatic Death Only and/or Death and Total & Permanent Disability (TPD) insurance. You may also have Income Protection (IP) insurance which pays you a monthly wage loss benefit based on a percentage of your salary for either 2 years or to age 65 depending on whether you elected additional insurance.

How do I make a REST Super TPD claim?

If you intend making a claim on your REST Super TPD and/or IP insurance, it's crucial to understand the conditions around claiming TPD and/or IP in Australia. The process from submitting a claim to receiving a benefit payment can be stressful and lengthy if you don't use a specialist TPD and IP lawyers. The large insurers use their own internal TPD and IP lawyers, so why wouldn’t you?

Firths are Australia’s leading TPD and IP lawyers and have built up a successful practice in prosecuting disability insurance claims. These successes have resulted in Firths obtaining countless decisions from super funds such as REST Super and its insurer in a timely manner to pay out a client's claim, or to proceed to a court hearing in appropriate circumstances.

The first step to make an REST Super TPD and/or IP claim is to contact Firths and arrange a suitable time for your free claim review. During the free consultation Firths expert TPD and/or lawyers will conduct a detailed review of your potential claim to ensure it meets the criteria for a viable REST Super TPD and/or IP claim.

If you have a viable REST Super TPD and/or IP claim, Firths will act on a fixed fee No Win No Fee basis meaning there is no charge until the end of the case and then only if successful and then only from the result. Firths will cover all the out of pocket expenses for you.

What criteria is used to assess TPD claims?

If you were considering making a REST Super TPD claim without expert legal representation, the following criteria used to assess TPD claims highlights the challenges you may encounter:

Level of disablement

Some insurers will require a minimum level of disability. They will also look at the likelihood of you recovering from the disability.

Was your REST Super TPD cover provided by default?

Default REST Super TPD policies usually only cover an any-occupation disability. Additional REST Super TPD policies may cover both own-occupation and any-occupation disability claims.

Own or any occupation?

Your REST Super TPD cover will typically fall under own-occupation cover, although you may also have any-occupation cover if arranged in addition to your default policy. You'll need to meet the definition of your policy to be eligible for a claim.

Waiting periods

There is usually a minimum waiting period from the time you apply before you can make a claim.

How long have you been working?

Some TPD policies require you to meet a minimum level of work before you're eligible to make a claim.

Your ability to perform daily activities of living

Some TPD policies, require you to demonstrate an inability to perform certain daily living activities.

Ongoing medical care

Some TPD policies require you to show ongoing medical care to improve your condition or to prevent further illness.

If you’re not a TPD lawyer, the process to make a REST Super TPD claim may seem overwhelming. Don’t give up, take up Firths free no-obligation REST Super TPD claim assessment. Call 1800 631 888 and talk to the TPD experts.

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Where do I start?

At Firths, we understand that your situation can be overwhelming and we want to help you however we can. Choose from the options below to help you get started or call us today for a free consultation at 1800 631 888.