There’s a quiet reassurance in knowing you’ve planned for the unexpected. For many Australians, REST Super (officially the Retail Employee Superannuation Trust) has been that safety net. Established in 1998 and now one of the country’s largest super funds, REST manages over $54 billion for more than 1.7 million members. But while its financial footprint is enormous, the real impact of REST lies in the security it provides to everyday workers: especially through cover like Total and Permanent Disability (TPD) insurance.
If you’re a member of REST Super, you may already have TPD insurance built into your super package. It’s designed to support you financially if illness or injury prevents you from returning to work. But knowing this support exists is only the beginning. Accessing it can feel overwhelming, particularly during a vulnerable time.
That’s where Withstand Lawyers steps in. We have decades of experience in handling REST TPD claims, guiding you through each stage of the process with clarity, care, and the confidence of a No‑Win‑No‑Fee promise. Whether you’re unsure about your REST TPD insurance eligibility, confused about the paperwork, or simply need someone to fight for your entitlements, we’re here to help you move forward.
What Does REST Super TPD Insurance Offer?
As the name suggests, REST Super (the Retail Employees Superannuation Trust) primarily supports workers in the retail and hospitality sectors. This includes, but isn’t limited to, retail shop assistants, fast food workers, counter staff, and others employed in frontline retail and service roles across Australia.
REST Super often includes insurance options such as Total and Permanent Disability (TPD) and income protection insurance as part of its default coverage. If you’re unable to work due to a serious illness or injury, these policies can provide vital financial assistance during a difficult time.
At Withstand Lawyers, our experienced TPD lawyers can act on your behalf to lodge and manage your REST TPD claim, all on a No Win, No Fee basis. Whether you’re just starting your claim or have been denied, we’re here to help you understand your rights and pursue the compensation you may be entitled to through your REST Super insurance.
REST Super TPD Insurance Claims
Total and Permanent Disability (TPD) insurance is designed to provide financial support when you can no longer work due to an injury, illness or condition. If you’re a member of REST Super, you may have TPD insurance built into your superannuation package, meaning you could be eligible for a lump-sum payout through a REST TPD claim.
TPD insurance assesses your ability to return to work based on your education, training, and experience. That means each claim is highly individualised. An injury that may not impact a desk worker could completely end the career of someone in a physical or trade-based role. This makes the assessment of your REST Super TPD insurance claim both complex and personal.
In some cases, TPD payouts can be substantial: up to $5,000,000, depending on your policy.
For example, in the 2020–2021 financial year, REST Super paid out $107 million for 995 TPD claims, averaging over $107,000 per claim. Click here if you want to read how that stacks up against other super funds.
Before lodging your claim, it’s critical to seek legal advice. At Withstand Lawyers, our experienced TPD lawyers will assess your individual circumstances and help you determine the best way forward. We’re here to ensure your REST TPD claim is thoroughly prepared and backed by expert guidance. No Win, No Fee.
Contact Withstand Lawyers for a Free REST TPD Claim Check
Unsure how to make a REST TPD claim? Unsure if you have TPD cover?
Our experienced TPD lawyers can provide a thorough, free claim check to assess whether you’re eligible to lodge a REST TPD insurance claim. This evaluation considers your policy terms, personal circumstances, and supporting medical evidence to give you a clear understanding of your claim prospects.
If you are eligible to make a REST TPD claim, we can act on your behalf on a No Win, No Fee basis, meaning you won’t pay any legal costs or disbursements unless we successfully secure your TPD payout.
🔍Click here to see how our No Win, No Fee agreement compares to other firms.
Start your REST TPD claim today with our free claim assessment. Call our experienced TPD lawyers on 1800 952 898 or fill out our online form to see what you could be eligible to claim.
Rest Super TPD Insurance Claim Eligibility
REST TPD cover may entitle you to a lump sum payout if you’re unlikely to return to work in an occupation that aligns with your education, training, or experience. This is an important distinction, because even if you are technically able to perform some work, you may still qualify for a TPD claim under your REST Super policy, depending on your unique circumstances.
Eligibility often depends on factors such as:
Whether you were employed at the time of your illness or injury
Whether you stopped working because of that illness or injury
The specific policy terms attached to your REST Super account
Our skilled TPD lawyers will gather the necessary details, contact REST Super to retrieve your individual insurance policy, and advise you on your chances of success. From there, we’ll guide you through the process and handle your REST TPD claim from start to finish.
Contact us today for a free claim assessment.
What Do You Need to Make a Successful REST TPD Claim?
To make a strong and successful TPD claim through REST Super, the first requirement is that you were a REST Super member with active TPD insurance cover at the time of your illness or injury, or on the date you last worked.
However, simply holding TPD cover isn’t enough. You must also meet the TPD policy definitions, terms, and conditions specific to your REST Super TPD insurance. Because every policy is different, and your personal and medical circumstances are unique, it’s crucial to get tailored legal advice.
General Eligibility Criteria for REST TPD Claims
A common requirement across many REST Super TPD policies includes:
You must have been unable to work due to injury or illness for a continuous period of at least three months before lodging your claim.
If your condition is classified as a specified medical condition by a medical practitioner, some insurers may assess your claim without a waiting period.
The nature and severity of your condition must match the TPD definitions outlined in your insurance policy.
Evidence Required for a REST TPD Claim
Providing the right evidence is critical. A successful REST TPD insurance claim typically requires:
Medical reports and supporting evidence from your treating specialists
Diagnostic test results (e.g. scans, pathology, psychological assessments)
Proof of identity (passport or certified driver’s licence)
Documentation showing your education, training, and experience
Employment records detailing your work history and reason for ceasing work
Financial documents such as payslips, tax returns, and superannuation statements
Because every case is different, we recommend contacting our experienced TPD lawyers at Withstand Lawyers. We’ll assess your personal situation, obtain your full policy from REST Super, and advise you on your eligibility for a TPD claim with no upfront costs on a No Win, No Fee basis. Contact us today to get started.
Can You Make a Double TPD Insurance Claim?
Yes, if you have multiple superannuation funds with active TPD insurance policies, you may be eligible to make more than one TPD claim. This includes holding REST Super TPD insurance in addition to cover through another super fund or private insurer.
Making multiple TPD claims is entirely legal and possible, provided you meet the individual eligibility criteria for each policy. These claims are handled independently, which means you’ll need to submit separate applications to each insurer and meet each policy’s specific definitions of Total and Permanent Disability.
Things to Consider When Claiming Multiple TPD Payouts:
Each TPD insurance policy will have different definitions, conditions, and waiting periods.
You must prove that your medical condition meets each insurer’s specific criteria.
Separate documentation and evidence will be required for each claim.
Managing multiple claims can be complex without legal support.
At Withstand Lawyers, our experienced TPD claim lawyers can perform a free claim assessment to determine your eligibility for REST Super and any additional TPD policies you may hold. If you’re eligible, we can prepare and lodge each claim on your behalf. All our services are offered on a No Win, No Fee basis, so you won’t pay legal fees unless we win your case.
REST Income Protection Insurance – What You Need to Know
REST Income Protection Insurance provides a financial safety net if you’re temporarily unable to work due to illness or injury. Rather than a lump-sum payment like TPD insurance, income protection offers regular monthly payments, replacing a percentage of your pre-injury income, helping you stay afloat while you recover.
Depending on your REST Super account, this cover may have been included by default or selected by you. Payout periods, waiting times, and benefit amounts can vary depending on your specific policy.
To be eligible to claim REST income protection, you generally need to:
Be a current or former member of REST Super with active income protection insurance
Show that you are temporarily unable to work due to a medically supported illness or injury
Meet your policy’s waiting period (often 30, 60, or 90 days) and other claim conditions
In the 2020–2021 financial year, REST Super paid out over $199 million in 9,636 income protection claims: a clear sign that these benefits can make a major difference during periods of short-term disability.
At Withstand Lawyers, we help you understand whether you’re covered, assist in preparing and lodging your REST income protection claim, and act on your behalf to reduce the stress and ensure accuracy of your claim, all on a No Win, No Fee basis.
Rest Income Protection Insurance Eligibility
To make a successful REST income protection claim, you must meet certain eligibility criteria set out in your specific REST Super insurance policy. One of the key requirements is that you are unable to work due to illness or injury for a defined waiting period, typically 60 consecutive days, though it may vary between 30 to 90 days, depending on your cover.
Beyond the waiting period, several other policy-specific factors can impact your eligibility to claim income protection through REST Super, including:
Your age at the time of the claim
The date you first became aware of your injury or illness
Whether you were capable of performing all your usual work duties
Whether you were capable of working at least 30 hours per week for a continuous period before the injury or illness—even if you weren’t actually working those hours
Every REST Super income protection policy is different, and even small details can affect your entitlement. At Withstand Lawyers, we can review your policy, assess your situation, and help determine whether you’re eligible to make a REST income protection claim.
Contact us today for a free claim assessment to see if you’re eligible.
Why Choose Withstand Lawyers for Your REST TPD Claim?
When you’re facing the stress of being unable to work, dealing with insurance paperwork shouldn’t be another burden. At Withstand Lawyers, we make the REST TPD claim process as clear, supportive, and effective as possible.
Here’s why Australians choose us to fight for their REST Super TPD entitlements:
✅ TPD Claim Experience
We specialise in TPD insurance claims, including those under REST Super. We understand the fine details of TPD definitions, policy terms, and how to build strong medical and employment evidence for your case.
✅ Free Claim Assessment
Unsure if you’re eligible? We offer a free claim check to assess your REST Super policy and give you an honest opinion about your claim potential.
✅ No Win, No Fee
With our No Win, No Fee agreement, you won’t pay legal fees or disbursements unless we win your claim. It’s that simple.
✅ Personalised Advice
Every TPD claim is unique. Whether you have multiple super funds, prior injuries, or uncertain employment history, we tailor our legal strategy to maximise your success.
Withstand Lawyers is here to help you take control of your financial future with confidence. Contact us today for a free REST TPD claim check and speak to a lawyer who understands both the law and your situation.
Issa Rabaya
• Bachelor of Laws
• Graduate Diploma in Legal Practice
• Approved Legal Service Provider to the Independent Review Office
• Member of the Law Society
Issa Rabaya
• Bachelor of Laws
• Graduate Diploma in Legal Practice
• Approved Legal Service Provider to the Independent Review Office
• Member of the Law Society
