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

Sorting out important paperwork now will give you and your family more time together if you’re faced with an illness or injury.

If you’re currently living with a chronic illness or serious injury, start working through the checklist as soon as you're able.

This checklist will help you:

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.

Get help managing expenses

Get help covering medical costs

  • Health insurance – If you have private health insurance, ask your provider how much of the gap you may be able to claim back. The gap is 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 considering a personal loan to help cover medical costs, use our personal loan calculator to estimate your repayments, before applying 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:

  • with your health professionals
  • about tests and treatments (principles for better communication).

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 and the process of finalising an estate.

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 the following.

  • 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?



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.

Income protection insurance

Financial protection, opens in new window 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.

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.

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.

Call NAB Assist on 1800 701 599. We're available Monday to Friday, 8:00am to 8:00pm (AEST/AEDT) or Saturday, 9:00am to 1:00pm (AEST/AEDT) or visit your nearest NAB Branch. 

Other life moments

Other resources and support

Get in touch

If you're experiencing a change in your circumstances, require financial hardship assistance, or think you might need help in the future, please contact us.

Request financial hardship assistance

If you’re having trouble making your repayments, you can request assistance.

Call NAB Assist Team

Monday to Friday, 8:00am to 8:00pm (AEST/AEDT)
Saturday, 9:00am to 1:00pm (AEST/AEDT)

1800 701 599

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.