Dear Artangel,
I'm sorry for your recent diagnosis. I understand your stresses. You certainly have tried to cover lots of issues in your life and this is certainly an interruption to good plans. A big pat on the back for your weight losses, you've done well. It is not easy. Your essential treatments should all go ahead. Increased BMI is often factored in. Hopefully Thursday answers many questions. Write down any that you have. Take a friend or relative as a second pair of ears, if possible. There is a lot to take in. You could ask for a referral to see a Social Worker. They may have tips and some financial advice. Someone above also suggested financial advice, and I would agree.
I did use my IP within my super. I had SuperSA Triple S.
I had no problems with my claim. There was a waiting period, and I used Sick leave. I was covered for 75% of my average earnings over my last 2 years of work. From very early, I knew that my treatment required Mastectomy with axillary clearance, 20 weeks Chemo and Radiotherapy. I was approved for 12months and took 10 mths, easing back to work over 1 month. Put your claim in ASAP, due to time to process claim. Are you sure of the facts about your IP and needing to increase it's value? I guess not all IP is the same. Having said that I used IP, I was relatively well throughout. I did have side effects, but mine were all manageable. I am a nurse, and WFH not at all possible. Work was an infection risk for me, and COVID was very new in 2020.
Perhaps not relevant now. Just to let you know. There is a facebook group 'Adelaide Breast Cancer Group Chat Room'. You may like to join and ask questions, and meet for get togethers.
All the best, you will get through this.