Rest Super income protection

Affordable income protection from an award-winning super fund? Just some of the reasons to consider Rest Superannuation Industry Income Protection Insurance.

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REST Super Income Protection Insurance is available to members of REST Super. It is designed to provide protection for your income by offering a replacement income stream when you are sick or injured and unable to work. You can use the income you receive in the form of an ongoing monthly benefit just as you would your normal income, allowing you to repay debts, meet day-to-day expenses and focus on getting better.

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Read on to learn the ins and out of Rest Super Income Protection.

Key Features of Rest Super Income Protection Cover

  • Monthly income benefit. This replaces up to 77 per cent of your pre-disability income. Basic Income Protection Cover from REST starts out low when you are young and typically on a lower salary, and increases as you age and will most likely be earning more.
  • Super component. The Income Protection benefit you receive is made up of an income component and a super component to allow you to continue saving for your retirement. In addition to the benefit amount equal to 77 per cent of your pre-disability income, an amount equivalent to 12 per cent of the monthly income benefit payable to you will be paid into your REST Super account.
  • Automatic cover. If you change jobs and your new employer contributes to your existing REST Super account, you won’t need to apply for new cover as long as your previous cover wasn’t cancelled or didn’t expire.

REST Super Income Protection additional Options to Consider

  • Voluntary Cover. In addition to the Basic Cover offered to all eligible REST Super fund members, you can apply for up to $30,000 per month of Voluntary Cover. You can apply for Voluntary Cover to increase your level of protection at any time.

How Much Will REST Super Income Protection Cost?

Your income protection premiums are influenced by the following factors:

  • Your age. Basic Cover premiums starts out low and increase with age, so the cost of your cover will also increase as you get older.
  • Whether you select Voluntary Cover. You can add up to $30,000 of Voluntary Cover to your monthly benefit; the higher the amount of cover you have, the more your premiums will be.
  • Your gender. Your sex will also be taken into account when determining the cost of your cover.
  • Your occupation. Professional occupations with no exposure to unusual hazards are cheaper to insure than minimal injury/illness risk white collar jobs, which are in turn cheaper to cover than light manual, blue collar and heavy manual occupations.
  • Your medical history and current health. These factors will both affect the likelihood of you having to make a claim, while your family’s medical history will also be taken into account.
  • Your habits. Smokers and heavy drinkers will pay more for cover.
  • Your pastimes. Participating in contact sports and high-risk adventure activities can increase the cost of cover.
  • Your benefit period. Depending on your age, you will be able to receive benefits for up to two years or until you turn 70.

Conditions for Benefit Payment

If you’re totally or partially disabled for longer than your waiting period and you wish to make a REST Income Protection claim, you’ll need to complete a claim form. This form can be obtained by phoning REST on 1300 300 778. Your fully completed claim form will need to be returned to REST along with supporting documentation, including:

  • A Medical Attendant’s Statement by the consulting registered medical practitioner
  • A completed Tax File Number notification form
  • Certified proof of identity
  • A hospital discharge form (if you have been hospitalised for the injury or illness relating to your claim)
  • Medical reports completed by your treating doctor
  • Income statements from other sources, for example sick leave, workers’ compensation, motor accident compensation or Centrelink benefits

If your claim is accepted, your first monthly benefit will be paid in arrears one month after your waiting period comes to an end. The insurer will also monitor the progress of your sickness or injury every month, and you will be required to provide a completed Progress Claim Form and Medical Attendant’s Statement each month in order to continue receiving benefits.

Benefits will then be paid until the earliest of:

  • When you are no longer disabled
  • When you reach age 60 (if your waiting period ends before you turn 58)
  • At the end of a two-year benefit period or when you reach 70, whichever occurs earlier (if your waiting period ends after you have turned 58)
  • Your death

What is the age limit to apply?

The maximum age at which you can continue receiving Income Protection benefits is 70 years. However, if your waiting period ends before you reach 58 years of age, benefits will not be payable past your 60th birthday.

When won’t a claim be paid?

Your REST Super Income Protection claim will not be paid in a range of circumstances, including:

  • No benefit will be paid if the claim arises directly from your active service in the armed forces of any country or international organisation (except the Australian Defence Forces Reserve)
  • If your disability is caused by intentional self-inflicted injury or any such attempt
  • If your claim arises due to normal pregnancy or childbirth
  • If your claim relates to an exclusion specifically applied to your policy

Rest Super Income Protection - Other things to know

  • Cooling-off period. From the date you receive a letter from REST Super confirming your acceptance for cover and policy details, you have 14 days to make your mind up about whether cover is right for you. If you cancel your cover during these 14 days, you will receive a full refund of any additional premiums paid.
  • Taking out Voluntary Cover. Each unit of Voluntary Income Protection Cover adds $1,000 of cover per month until you reach 70 years of age. The maximum amount of Voluntary Cover you can apply for is $30,000 per month.
  • Offsets applied. Your monthly income benefit is limited so that, when combined with any other payments you are entitled to receive because of your total disability, it does not replace more than 77 per cent of your pre-disability income. The amount payable from other sources, such as sick leave or workers’ compensation, will be used to offset your income benefit.
  • Waiting period. A waiting period of 60 days must be served before you will be eligible to start receiving REST Super Income Protection benefits.

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14 Responses

    Default Gravatar
    AlisonNovember 11, 2018

    Hello ,
    I have suddenly had tests and discovered I’m quite unwell , been in and out of hospital in the last week . Will I have cover for medical hysterectomy I will need please ? As run out of sick leave and into annual . All wasn’t expected . Thank you

      Avatarfinder Customer Care
      JoshuaNovember 25, 2018Staff

      Hi Alison,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      I’m sorry to hear about your situation. If you are pertaining to Rest Super Income Protection, it can replace up to 77 percent of your pre-disability income. However, you would need to meet certain conditions before you can make a claim. One important condition is being totally or partially disabled for longer than your waiting period.

      It would be best to check with REST if you are eligible for a claim. You may directly call them at 1300 300 778.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


    Default Gravatar
    LucyApril 21, 2018

    I have been made redundant from my sales assistant position the store will close down am I entitled to claim income protection

      Avatarfinder Customer Care
      MayApril 22, 2018Staff

      Hi Lucy,

      Thanks for getting in touch with Finder.

      If your income protection insurance is from a general insurer, you may be covered for redundancy. Otherwise, if it’s from a life insurer, I’m afraid there’s no cover for redundancy. I would suggest that you check directly with your provider to discuss the level of cover you have. You might also like to check our article on redundancy insurance to get more general information.


    Default Gravatar
    kylieSeptember 7, 2017

    Hi I was wondering how long you can recieve income protection payments with Rest Industry Thankyou

      Avatarfinder Customer Care
      JoanneSeptember 7, 2017Staff

      Hi Kylie,

      Thanks for reaching out.

      This is what Rest Industry mentioned about income protection cover:

      If you fall seriously ill or suffer an injury due to which you remain absent from work for a prolonged period of time, you can enjoy REST Industry Super Income Protection cover. You will get the benefits if you have been ill or injured for 60 days and the payment is made in the form of arrears. The cover has two parts to it, the monthly income benefit and the Super benefit. You will receive 77% of your income benefits that you used to get before getting injured or sick and an additional 12% of your monthly income benefits. The 77% is credited to your bank account, while the 12% goes into your REST account.

      I hope this helps. If you need to learn more, you can read our review page of Rest Industry Super Life Insurance.

      Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Best Regards,

    Default Gravatar
    MiriamJune 30, 2017

    What happens if after several years of treatment and rehabilitation I am still unable to return to the type of work I was doing? Or, if I am unable to be placed in full time employment because of my physical disabilities. I am single, with a mortgage and need a full time wage

      Default Gravatar
      JonathanJuly 1, 2017

      Hi Miriam!

      There is what we call “Hours-based disability” wherein the insurer will measure your support based on the number of hours reduced due to illness or injury. Most insurers have 10 hours or less weekly for a full-benefit, and has a reduced benefit for those who can work more than 10 hours weekly.

      As for the duration you are covered, it is important you know the “benefit period” of your insurance policy. You can read about our beginner’s guide on income protection and discover more helpful details about this topic.

      You may contact the insurer directly to know what is their guidelines on the reduced working hours and benefit period.

      Hope this helps.


    Default Gravatar
    ShelleyMarch 25, 2017

    I was put off work 1 week before my accident broken wrist can I claim

      Avatarfinder Customer Care
      ZubairMarch 27, 2017Staff

      Hi Shelley,

      Thanks for getting in touch. You have contacted, a comparison and information service and not actually Rest Super income Protection. We are not permitted to provide our users with personalised financial advice or product recommendations.

      In some cases, when you change jobs and are not working for a REST employer, you may be able to continue to receive TPD and Income protection cover (if any) as long as your account balance remains above $3,000.

      For clarification on whether you are eligible to receive a claim, please refer to your product disclosure statement or contact your insurer.

      All the best,

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