@ElaineG I went through all of this at the time of Chemo, I had no luck with Superannuation, I had to be terminal to access it or financial hardship. I'm a single parent and was very ill in 2015 through chemo and had to stop working, thankfully I had savings, but Centrelink were useless and deemed Id have to spend at least $10,000 of my own hard earned money and wait about 11 weeks before I could access sickness benefits. USELESS! In 2016 thankfully one of my Superannuations had an inbuilt component for income protection. It was a 90 day waiting period but as it was mid way through 2016 and Id stopped working in September 2015 I served my 90 days and I even got back paid about 4 months. Its for 2yrs and finishes in Jan 2018, I've only been able to work 3 days a week and its been amazing! has helped me through a very difficult time. Hugs Melinda xo