Life is unpredictable. When it comes to dealing with illness and injury, this step-by-step checklist will guide you through the process.

Get the help you need

Getting help can be tough, and that’s ok. Before you begin, you may want to get emotional and practical support so you feel ready to work through your to-dos.

Get important paperwork done

It can be a long process, but taking care of that paperwork now will give you and your loved ones more time together if you’re ever faced with an illness or injury.

If you and/or a family member are already living with a chronic illness or serious injury, start working through the checklist below as soon as you can.

This checklist will help you:

What to think about and organise

Financial outgoings and income

Medical decisions and directions

Legal decisions and documents

Personal wishes to be carried out

Financial matters checklist

Understanding types of payments

It can take time to process applications for payments, so try to submit the relevant forms as soon as possible.

  • Government payments – Learn about your options for government financial support if you're living with an illness, injury or disability.
  • Paid leave from work – Find out what sick and/or carer’s leave you're entitled to.
  • Super insurance – Check your policy or ask your super fund if your super includes automatic cover for Total Permanent Disability (TPD) insurance and/or income protection. Find out if/how you can make a claim for some insurance money if you have an injury or illness that affects your ability to work.
  • Income protection – If you have illness, injury or income protection insurance, you may be able to apply to claim it.
  • Early superannuation access – Find out if you're eligible to access some of your super early.
  • Home modification subsidies – To help fund necessary modifications to your home such as wheelchair ramps and bathroom hand rails. Find out which subsidies you can get.
  • Natural disaster and crisis support – If you've been injured and unable to work, find out how we if help.

Get help managing expenses

  • Loan repayment break – Find out if you’re eligible for a few months off paying your loan.
  • Financial hardship – NAB Assist helped approximately 19,000 people through financial hardship in 2017. If you’re struggling to keep up with repayments, call 1800 701 599 to discuss how we can help, or find out more about financial hardship assistance.
  • Concessions - Find out if you’re eligible for government concessions or a health care card in your state
  • Paying bills – Talk to your utility companies about bill payments if you’re having difficulty meeting them; they may be able to offer you financial hardship assistance.
  • Reducing bills – Learn 5 tips for reducing your energy bills.
  • An overdraft – So you can access a little extra money every now and then when you need it. Find out more about an overdraft and how to apply online.
  • Consolidating debts – If you have multiple credit card, loan and/or store card debts, use the debt consolidation loan calculator to get an estimate of how your repayments could change if you consolidate these debts into one personal loan.

Get help covering medical costs

  • Health insurance – If you have private health insurance, call your provider or use their app to find out how much of the gap you may be able to claim back (the difference between the medical expense and what Medicare covers).
  • Home loan redraw – Learn more about redrawing money from your home loan to help pay your medical costs.
  • Loan – If you’re thinking about a personal loan to help cover doctors’ bills and medical costs, the personal loan calculator can assist to calculate your estimated personal loan repayments, and if you want to apply for a loan you can do it online.
  • Credit card – Learn how to choose the right credit card for your needs, and find out how to avoid credit card interest.
  • Illness, injury and life insurance – Learn about the different types of insurance and what the benefits are.

Medical plans

Decision making assistance

It might be a good idea to learn how to make important medical decisions:

Future healthcare preferences

Have a think about your preferences for future care:

Legal aspects

The loss of a loved one

If you’ve recently lost a loved one, talk to us. We’re here to help make things easier, and can guide you through what to do next, step-by-step.

Your estate planning

It pays to have your bases covered. Completing your estate planning is an important part of planning for the future.
Take some time to think about directions for your:

  • Medical care – Find out how to appoint someone else to make medical decisions for you if you’re unable.
  • Financial management – Find out how to appoint someone else to manage your finances for you if you’re unable.
  • Assets and money – How you want everything divided up and distributed after your death, including your super (you can tell your super fund now who your beneficiaries will be).
  • Children’s care – Clearly state who will be the guardian of your children.

What happens if you pass away without a will?

If there's no will, your assets may not be divided up the way you want—and if you don’t have any living relatives, everything could end up going to the Government.

Personal wishes

Decide what you want to do regarding your personal wishes for:

We're ready to help

Not sure what to do next?


Debt consolidation

A way to consolidate debts if you have more than one (for example a car loan, credit card debt or store card debt) into one NAB personal debt consolidation loan.

Financial hardship assistance

NAB may be able to offer you if you’re struggling to make your repayments for your loan or credit card because you don’t have the money to do so. This could be because of illness, injury or other unexpected life events. Learn more about financial hardship.

Income protection insurance

Financial protection you pay for now so that if you’re unable to work for the reasons agreed in your policy, you may be able to claim the agreed financial compensation from your insurance provider.

Loan redraw

You may be able to access some of the money you have previously paid into your variable rate home loan via a loan redraw (this then increases the amount of your loan balance). After you redraw money from your home loan, you must continue to make your regular repayments. But you must remember that the interest part of your repayments will increase because you are now paying interest on a higher loan amount.

Loan repayment break

A loan repayment holiday could let you take off a few months' worth of repayments on your home loan or personal loan (if you’re far enough ahead on your repayments and eligible). To find out if you’re eligible, call us on 13 22 65.

NAB Assist

If you’re a NAB customer, and you're struggling to keep on top of your repayments for your loan or credit cards, you can call 1800 701 599 to discuss how NAB may be able to assist. Learn more about NAB Assist.


Super is a regular payment made into a super fund by an employee towards a future pension. For most people, your employer must pay an amount equal to 9.5% of your salary into your super fund account. Your super savings can be self-managed, or controlled by the superannuation fund of your choice.

Total permanent disability insurance

Financial protection you pay for now so that if you suffer from a total permanent disability, you may be able to claim the agreed financial compensation from your insurance provider, as agreed in your policy.

Important information

The information contained in this article is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, NAB recommends that you consider whether it is appropriate for your circumstances. NAB recommends that you seek independent legal, financial, and taxation advice before acting on any information in this article.

After more information?Other related articles

How to get financial help when you're sick or injured

Your health and your loved ones are important. Having a financial plan in place in case of unexpected injuries and medical issues means you can focus on what matters most, and let the money take care of itself.

Recovering from an illness or injury

Dealing with an illness, accident or injury can be tough. Here's how to get the financial and emotional support you need, plus help with your day-to-day at both home and work.

Caring for a loved one who’s ill or injured

Get the information you need about important carer responsibilities, tasks for your to-do list, and how to stay composed when looking after a loved one.

After more information?Related products and services

Life insurance

With NAB Essential Life insurance, you’ll receive financial support for you and your loved ones if you’re diagnosed with a terminal illness or die.

Personal loan insurance

NAB Personal Loan Cover can help meet your loan repayments if you lose your job, are unable to work from injury or illness or diagnosed with a defined critical illness and may pay a lump sum to cover the loan balance if you die.

Home loan insurance

If you lose your job or become disabled from injury or illness, NAB Mortgage Protect can help cover your home loan repayments. It may also pay a lump sum to cover the loan balance if you’re diagnosed with a terminal illness or die.

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