Metastatic Mess: Self employed, no super, life or income protection, expired health insurance
Firstly, I hope everyone is feeling the best they can, and keeping positive... or doing whatever works for you if you're sick of people always saying "be positive" :) I feel really silly (and irresponsible) finding myself in this situation of being self-employed, with no super, life/income protection, and to top it off...expired health insurance. My Diagnosis: Age 40 - Breast cancer E+ Her 2-, 3 small children, chemo, radiotherapy, mastectomy, reconstruction. Age 51 - Metastatic breast cancer (bones), radiotherapy, letrozole (estrogen blocker), kisqali (tablets that target cancer cells), Xgeva injection every 4 weeks, slow release pain killers. We live on the Central Queensland coast and operate a small tourism business. We moved here from Brisbane after my first diagnosis. I have spoken with our Bank and they will only delay mortgage payments for a few months which is of little help. The cost of treatments, medications loans and general "living" is unmanageable and I'm now maxing out credit cards. We don't eat out, travel, buy new things etc. There is no breast care nurse here. Does anyone have any advice regarding: claiming centrelink disability as a self-employed person? claiming old super from when I was an employee? robbing banks? sorry... disregard that last comment. Thanks in advance, Silly Sausage.
Done with Centerlink
That's it, I am done fighting with Centerlink. They have cut me off even though I am under both income and assets threshold and they must have made some sort of error. I need to think of my own health and the stress and depression is too much for me to bother going back to them again. Hubby is going to sell some shares and give me a fortnightly payment instead. It means we will go further in debt but eventually hubbys superannuation will cancel that out. I will be able to save it and get myself a bedroom air con so my arm doesn't give me so much curry in Summer. :)