@onemargie I'm not surprised at that response. I enquired about it all at the time of my treatment, I exhausted everything, in the end as I was so ill and couldnt work Centrelink said I had to spend at least $7000 of my own savings to support myself before they would assist with Sickness Allowance. BS! Well Ive spent a hell of alot more than that trying to support myself and my 2 children the past 2 years. I am nearing the end of my income protection that I by chance found it was inbuilt with my education super! Its helped but its so heavily taxed that I can no longer survive it's for the 2 days a week I cannot work, I work 3. WHY??? is it taxable income??? when its due to an illness??? makes me FURIOUS! my hard earned money has gone. I was told I will never be rehabilitated to go back to my job full time so have to seek new employment!! No way TPD you have to be pretty much terminal or already on the disability pension. There just should be something different to the sickness allowance that is like income protection available for 2yrs and NOT TAXED!!!