Speak to your employer

You may be entitled to sick leave or carers leave, depending on whether it is yourself or someone else in the family that is sick. Ask your employer what it is they can offer and check it against what is legally required by the Fair Work Ombudsman.

Claim any available insurance

Depending on your cover, there are several types of insurance that you may be able to claim to help cover costs. If you have any of the following make a claim as soon as possible as it could take a while for your claim to be paid:

  • Health insurance
  • Total and permanent disability insurance
  • Trauma cover
  • Income protection.

Set yourself up on one income

If the person that has fallen sick is one of the principal income earners you may need to make some changes to ensure that you’re able to manage on a revised budget. See our guide to managing on one income.

Speak to someone

When one of your family members is ill it can take a huge emotional toll. You can call Lifeline Australia on 13 11 14 at any time for crisis support.

If you're struggling to make ends meet financially, look for assistance where possible. The Department of Human Services can help you find out what services are available for you.

If you’re a CommBank customer, you can call us on 13 3095 or request financial assistance in NetBank if you are behind, or think you are likely to fall behind, in paying what you owe. See more about our support options – including our Financial Assistance Solutions teams who are here to support you in getting back on your feet in times of financial difficulty.

Try our budget and saving tools

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Things you should know

This article is intended to provide general information of an educational nature only. It does not have regard to the financial situation or needs of any reader and must not be relied upon as financial product advice. As this information has been prepared without considering your objectives, financial situation or needs, you should, before acting on this, consider the appropriateness to your circumstances.