Superannuation
Hi All, Just venting my frustrations, for two days I have emailed the super I have like many of others have about trying to access some of my super to help out with the incoming house hold bills mortgage ect. We all know firstly being diagnosed one tends to go into shock, then the realisation of appts, surgery , all else that comes our way. Then all of a sudden the reality of when one has ceased work for now one wage carrying the burden of which I am lucky as there are others on there own of which I feel for. Anyway I have to be dying or dead of which what good is the mulla then, of which I am alive today and the bills don't go away, I have asked for all superannutions have a policy for people who for unforeseen illness comes out the blue, to have access to there super . I was suggested Centrelink well nothing against Centrelink when you need it and are genuine , I replyed would you stand in line for hours, talk to ten different people of whom know nothing about what you need , then fog you off to the next person so on and on. Telling complete strangers your private business then comes all the forms to go over the same thing all the stupid questions ect. No one should be put through all this no need rigromole of the humiliation , shame, of the red tape. Why can't there be a policy put in place to access ones super , a doctors letter for evidence of the illness. We would like to keep our dignity and be treated with the up most respect , I was told try for Compassionate Leave ect why when the government say we all pay into super then when it's needed why can't we access it atleast that the bills ect are getting paid and we can contstrate on getting through this rocky journey without added stress. Any other suggestions let's try and fight for proper policies put in place for people and families to aleast lessen the burden of some sort. Shazx
public system or private health insurance?
I am 55 and just got diagnosed with high grade DCIS (2 lesions, one with focus suspicions for micro invasions, lymph node U/S FNA - Negative). the hospital gave me a referral for their breast surgeon for mid December but also notified my doctor. My doctor called me and asked me to come in for a chat and she wants me to go private so the mastectomy can be done before Christmas (which most likely can't be done in the Public Hospital, they start with surgeries again on the 10th of January). I am now really confused what to do, while I would love to have the surgery out of the way as soon as possible, I am worried with GAP payments if I go private. I don't have yet an appointment for the private surgeon but my doctor reckons I could get one for this coming week. while I am extremely lucky that I was diagnosed early, it's still a shock and I am confused and worried. if anyone could let me know about their decisions and costs for GAP payments, I would really appreciate it. thank you :)
Out of pocket expenses - share our stories
Greetings to all network members. I guess we have all received an email from BCNA encouraging us to take part in a survey conducted by the Consumers Health Forum - to find out more about 'out of pocket expenses'. I have already submitted my response. My main points were that lucky ducks like me have struck a good combination of private surgery but with surgeon and anaesthetist charging no gap fee, followed by free public chemotherapy and radiotherapy and backed up by wonderful information and support from my Breast Care Nurse. In my response I said that it is very unfair and inconsistent that all breast cancer patients don't have access to the same low cost, high quality treatment options. Location or income or insurance should not make a difference. 41 deg here in Dubbo at the moment; so whole afternoon spent inside in front of the air conditioner! Best wishes from jennyss
Financial Mess
If there wasn’t enough stress while waiting for final decision on whether its mets or arthritis. It seems that I'm always chasing my tail or robbing Peter to pay Paul which sucks I knew the financial burden of having cancer sucked big time from experience when hubby was diagnosed but it was never this hard i thought I’d be clever and do a fortnightly budget after all the necessary expenses eg house payment, rates, insurances, phone, motor vehicle that not including maintenance (have to go to work), I'm left with a whole $150-00 a fortnight for my medication thank goodness for health care card and groceries. how do people do it. Does this ever end
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. :)
Why is radiation so expensive ??
Hi ladies I am almost at the end of my chemo treatment and wondering what to do about my radiation therapy, I have been to see one place and I could not believe the out of pocket costs when you have private health insurance ! Isn't private health meant to make things easier for you when you are sick ? I was totally blown away by the costs in general but seriously I don't understand how it can be so much when you pay nothing for chemo ? I don't know whether to just go private or change to public ? It seems public has less of an out of pocket cost ? Why is this so ? Any advice to help me with my confusion would be greatly appreciated thank you.
Financial difficulties
Hi everyone I was diagnosed in August with ILC and have only been able to work a handful of days since my diagnosis. Since I started chemo I've been hospitalised with a blood clot (DVT) in my leg, pneumocystis (PJP) and most recently Clostridium Difficle (C. Diff). I'v had severe fatigue from the chemo and have been an emotional wreck from this entire experience. I've been extremely lucky though that my employer has been so supportive and has placed no pressure on me returning to work and is open to me coming in on any day for however long I can just to keep in touch. They have also generously offered me one months pay ex gratia. My issue is that I have now exhausted all of my sick leave and have only a couple of weeks left of my annual leave but am not in a position mentally or health wise to return to work yet. Foolishly, when I was younger I never opted for income protection on my superannuation so I don't have this to fall back on either. I contacted my Super fund to ask how I could access some funds from my super to allow me a couple of more months before I had to return to work. They advised me that this was dealt with by the ATO with a request for compassionate release of super funds. I went through this process on line and even called the ATO but unfortunately I don't fit into any of their categories to be able to claim compassionate funds. You have to be unable to pay your medical bills (mine are all up to date), have a terminal illness (Stage 3 BC isn't classed as terminal) or be in mortgage foreclosure (which I'm not, but may end up there soon if I don't return to work). The ATO directed me back to my Super fund to ask for financial hardship payment. My Super fund advised that to claim financial hardship, I had to be receiving Centrelink payments for a minimum of 26 weeks. This whole process is so frustrating but is also adding to my stress levels and anxiety. I've worked hard for so many years to make sure I was in a good place with my financial situation but this has just been eroded over the last few months due to BC. I feel like the ATO and Super fund want me to be in complete financial distress before they'll assist but I'm trying to be proactive and avoid getting into that situation. Does anyone have any advice or suggestions? Does anyone know of any other avenues that can be taken to access superannuation?
