Great advice @Nadi I think that is peoples best bet is a financial counselor to help with bills and mortgage etc., MOST Superannuation Funds DO NOT have income Protection built in, you have to do the homework. I have 2 and it was purely by chance after I exhausted ALL avenues of financial assistance due to being unable to work I rang my 2nd fund VICSUPER if you are in the Education Sector know as they don't advertise it, they have inbuilt income protection. If it werent for this, I would have been screwed big time. Otherwise you have to be terminal or destitute completely to get any assistance from Super. Ludicrous, so much needs to change....especially when I heard the other day that Breast Cancer is the NO. 1 highest diagnosed each year!!!