@Zoffiel I agree with you that the punitive Newstart is totally forcing people to live well below the poverty line, when in fact some should be on sickness benefits, but that doesn't exist anymore. I wouldn't also underestimate the advice that can be given by a Financial Planner, I was guided to apply for a TPD and it was granted. I wasn't successful in receiving a Disability Support Pension, but left on Newstart, been there done that, just an awful situation to be in, for sure. Take care. xx