Do you have a plan for if you could no longer work?

Do you have a plan for if you could no longer work?

Do you have a plan for if you could no longer work is in collaboration with Firths Compensation Lawyers.

After the shock of my breast cancer diagnosis in November last year had subsided and we had come to terms with the treatment plan ahead, it soon became obvious that my chemo regime was going to affect my ability to work.

I had just started a new job, I was 2 weeks in, I had an exciting future career laid out in front of me and then came the news that I had cancer.

We had just got back to Australia after a working holiday in the UK, we’d just moved into a new apartment and my husband had started looking for work. In fact, he was offered a new job on the day of my diagnosis. A job that he had to turn down to support me through my treatment.

Our world was turned upside down.

We were relying on my income to pay our bills, to set us up in our new home and to keep us going until my husband started work. I didn’t have income protection. I didn’t have a life insurance policy.

Just weeks before my diagnosis, I had spoken to my bank about setting up a life insurance plan but I was busy, ‘too busy’ to agree to a plan that suited us. I asked them to call me back at a better time. They called and called and each time, I was too busy with the kids or cooking dinner or doing something else that at the time seemed much more important.

After my diagnosis they called again but they would no longer insure me. Not after a cancer diagnosis. I do have life insurance within my superannuation, albeit a reduced policy.

Thankfully one thing I had done when I got back to Australia was restart my health insurance policy that had been on hold while we were in the UK. A lot of my medical bills are covered under that policy.

Luckily we had savings to cover us through what would have otherwise been a very difficult financial period before my husband was able to start work again and I have been able to pursue freelance writing, previously a hobby I loved, to pay the bills.

What have I learned from this experience? I need to plan better for my family’s future. Nothing is more important than that.

What would happen if you suddenly lost your income? Or your partners income? Or both?

What would happen if one of your family member’s suddenly needed urgent and expensive medical care?

Do you have a plan for if you could no longer work?

Do you have a plan for if you could no longer work? Income Protection Life Insurance Superannuation Protecting your Income Family Finances Protecting your Future Savings



  1. 19th April 2016 / 1:49 pm

    Hi Mim, your story is a stark reminder of why we shouldn’t put things off. We do have insurance policies in place to help in times like yours, but I do worry that they wouldn’t be enough, but what we have we can afford.

    Thank goodness you restarted your medical cover when you got back to Australia as you have enough to worry about as it is.


    • 19th April 2016 / 2:02 pm

      You’re so right Debbie – I’d do things differently in hindsight. Thank God for the health insurance! x

  2. 19th April 2016 / 11:35 pm

    We have no plan and it is something I always think about! really need to get onto it.

    • 20th April 2016 / 1:27 pm

      I really recommended thinking about it soon :)

  3. 20th April 2016 / 9:02 pm

    No, we have no plan, we don’t even have wills! Shocking for two lawyers. Must get on to it!

    • 20th April 2016 / 9:11 pm

      Do it lady! A little peace of mind :) x

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