My super doesn't have any income protection either, and I have heard that you need to have been on CL payments for 26 weeks before you can draw funds from your Super fund. I really hope i'm not still on Newstart by then, but i want to try get some out to pay the back-pay on my two loans.
If you're not aware, you can call your loan providers and have the payments put on hold for 6 months due to being out of work due to illness. The interest still accrues and hey were unable to tell me if it would affect my credit rating, but at least i have a reprieve from the payments until January.