If illness has forced you to stop working, you're likely facing both a health crisis and a financial one. Knowing what you're entitled to — and in what order to pursue these entitlements — can make an enormous practical difference.
1. Sick leave and annual leave (if still employed)
If you're still employed, you can continue drawing on accrued sick leave while you're absent. Once sick leave is exhausted, you may be able to use annual leave. Speak with your employer about your situation early.
2. Income protection insurance
If you have income protection insurance (through super or a standalone policy), you may be entitled to monthly benefit payments — typically up to 70% of your pre-disability income. This is different from TPD and covers the early phase of disability.
3. TPD insurance through super
If your condition is likely to be permanent, TPD insurance through your superannuation may provide a lump sum payout. This is one of the most significant and overlooked entitlements for Australians who cannot return to work. See our TPD basics guide.
4. Centrelink — Disability Support Pension
If you have a permanent physical, intellectual or psychiatric condition affecting your ability to work, you may be eligible for the Disability Support Pension (DSP) through Centrelink.
5. Early super access
On grounds of permanent incapacity, you can access your super balance early — in addition to any TPD insurance claim. Check your options with a free eligibility check.