Retail Employees Superannuation Trust (“REST”) who are as of the date of this blog, contracted to (“AIA”) an insurer, to assess all TPD claims.
REST are the default superannuation fund for the retail workers out there.
What Evidence will REST Require
In a nutshell, you must provide REST with evidence, such as the initial claim form, 2 medical reports from your treating doctors (REST are very strict on this requirement), that supports that you can no longer work in an occupation for which you are reasonably suited by way of education, training or experience due total permanent injury or illness. In other words, your resume.
However, this is only the start, the TPD process can be onerous and often a lot more information is requested including but not limited to:
- Clinical notes from all your treating doctors;
- Your statutory benefits claim file if you were on Workcover or receiving benefits under a CTP scheme;
- Information from your employer in the form of employer statement;
- If self-employed, your BAS, business tax returns, and payslips;
- ATO Records;
- Medicare Records; and
- Centrelink Records.
REST Standard TPD Definition
- Has been absent from employment for three consecutive months because of sickness or injury; and
- Is so disabled at the start of those three months and continuously since that time, that the insured member is unlikely to ever engage in any reasonably suitable occupation.
- In determining whether an occupation is reasonably suitable for an insured member the insurer considers he skills the insured member has acquired through education, training and experience.
WKB TPD Lawyers make sure the I’s are dotted and the t’s are crossed. Unfortunately, TPD claims can be very hard to get approved due to the Insurer not wanting to pay, multiple requests for information, delaying your claim by poor communication practices or requesting you to see multiple specialists.
REST TPD claims can be quite complex, it’s very important to contact WKB TPD Lawyers on 1800 865 225 or visit our website www.wkblawyers.com.au to see if you may be eligible.
WKB TPD Lawyers are not a generalist personal injury firm, in fact we only do TPD claims.