Well at least you got an explanation I guess, my income protection had a 3 month waiting period from the last day I was able to work. it didn't affect me as when I applied it was a few months after finishing 4.5 months of treatment, so they had to backpay me LOL. It is pretty standard the waiting period however. Either way, we have to survive on our own money. I've lost thousands and thousands of dollars in lost income. I'd love to get $5000 out of my super, but as you say, you have to be on benefits for 26 weeks...ummm I have to work, I can't do that and rely on that.