I too didn't have income protection insurance as part of my super and it was such a struggle while I was off work. Guess I should have taken out private income protection insurance when I was younger but honestly, I don't know how many people do this or can afford to do this, just general health insurance is expensive enough. I also wanted to say if anyone is having trouble paying bills contact Financial Counsellors Australia. This is a free service and they are fantastic at letting you know how to reduce or pause mortgage payments, get reductions in electricity, phone, gas, car loans etc without wrecking your credit rating. They will do it all for you. You can google their number if you are interested.