Dealing with illness
Looking after yourself and your
Dealing with illness can be stressful - both financially and
emotionally. Money may be the last thing on your mind, but it's
important to consider your finances and make sure you get what you
are entitled to.
Take care of your emotional
Finding out you have an illness can be incredibly emotional and
traumatic. Be kind to yourself and make sure you seek support from
family and friends. Search online for support networks and
community health organisations for your particular illness.
Don't be afraid to seek emotional support from a professional.
If you are a Centrelink customer, find out about the Department of Human Services'
social work services or phone 13 17 94.
You can also contact:
You might also like to contact a financial counsellor who can
provide information to people in financial difficulty. Free,
independent and confidential counselling services are available
through Financial Counselling
Check your financial
Leave entitlements from your employer
Check with your employer to find out how much paid sick leave
you are entitled to. To find out more about your rights at work see
the Fair Work Ombudsman's sick and carer's
Check your insurance policies to see whether they would cover
your bills or replace some of your income.
Types of insurance include:
Make sure you claim as soon as you can because there is often a
waiting period before the policy pays out.
Early release of superannuation
There are some very limited circumstances in which you can
access your super before you retire. These situations include if
you suffer incapacity, on compassionate grounds or if you have a
terminal medical condition. More on
early release of super.
If you're unable to work because of your injury or illness or
because you are caring for someone, you may be entitled to a
government payment. Check with the Department of Human Services by
completing the payment finder to see what you are
Ask for a hardship
variation to your bills and debts
If you are finding it hard to pay bills, credit cards or loan
repayments, talk to your provider and let them know you are
experiencing financial hardship.
Many companies have hardship officers who can assess your
situation and work out what help is available. Hardship officers
can also help you work out an affordable payment plan such as
paying bills in instalments or temporarily altering your loan
repayments. See our information on
Financial counsellors can help you negotiate payments and apply
for a hardship variation.
Find a financial counsellor near you.
You can also contact Kildonan Uniting Care who offer
a financial counselling for families with children and young people
living with cancer through their WeCare service.
While it may be the last thing on your mind,
sorting out your finances can help to make you feel more secure and
Last updated: 19 Feb 2019