When you’re recovering from an injury or illness, you may find that your finances suffer a little. You might also experience stress or anxiety. Here are some things that may help.

Get financial help

If the bills are starting to stack up, there are plenty of financial support options you can explore.

Government payments

Depending on your circumstances, the government may be able to help with regular payments, one-off funding and support services.

Find out:

Insurance payouts

If you have any personal or life insurance, an insurance payout can help greatly with staying on top of expenses. Check your policies to see what’s covered and make any claim applications quickly to get on top of lengthy processing times.

Check your super fund as well. You might have insurance that covers a loss of income due to illness, injury or disability.

Early access to your super

You may be able to access some of your super on the grounds of severe financial hardship.

Your eligibility depends on a number of things, so contact your super fund as soon as you can.

Getting your money back in shape

Use these tips and tools to get back on track:

Counselling and support services

Why not talk to someone who understands what you’re going through? The National Debt Helpline (1800 007 007) can provide you with financial counselling – and is generally free. Find out how financial counselling works, opens in new window.

We've also put together a list of support services and practical tips offered by the government and non-profit organisations.

How we can help

Turn to your support network

With a chronic illness or injury, you'll have a lot on your plate - and you should never hesitate to seek support.

Family and friends

Spend time with people who care about you and let them know what's on your mind. Not only are they usually happy to lend an ear, they might have some comforting advice.

Support groups

Support groups are great for connecting with people going through a similar thing, both online and in person. Or, you can try the following services.

Your key support contacts

Contact NAB Assist

Call 1800 701 599 to find out how we can help you or visit NAB Assist.

Contact Financial Counselling Australia

Call 1800 007 007 for free financial counselling or visit the https://www.financialcounsellingaustralia.org.au/, opens in new window website.

Contact Beyond Blue

Call 1300 224 636 for help looking after your mental health, or visit the https://www.beyondblue.org.au/, opens in new window website.

Contact Lifeline Crisis Support

Call 13 11 14 if you’re having troubling coping or chat online at the https://www.lifeline.org.au/, opens in new window website.

Get help at home

As illness and injury can impact your ability to work, it’s handy to know what you’re legally entitled to from an employment perspective.

Sick leave and carer’s leave

Not sure how much sick or carer's leave you can take?

Returning to work after an illness or injury

Talk with your employer to plan your return:

More support options



Financial protection you pay for now so you could be covered by an agreed compensation payment for the unexpected life events outlined in your policy, such as illness, injury or death. Different types include private health insurance, income protection insurance, life insurance and mortgage protection insurance.


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.

Financial hardship

NAB may be able to offer if you’re struggling to repay your loan or credit card. This could be because of illness, injury or other unexpected life events. Learn more about financial hardship.

Carer’s leave

Time off work to care for a member of your immediate family or household who is sick, injured or has an emergency. It's taken as either paid or unpaid personal leave. Learn more about carer’s leave, opens in new window.

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.

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

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.