Dealing with bills and debts
Depending on your circumstances, you may need to consider ways to manage the financial impact of advanced cancer. If you are having difficulty paying your utility bills, such as electricity, gas, water, phone or internet, contact your provider. You may be able to access flexible payment arrangements, discounts, rebates or concessions.
Check with the hospital social worker whether other options are available in your state or territory.
Learn more about:
Accessing superannuation early
In Australia, you need to be at least 55 years old and retired before you are allowed to access your superannuation (super). However, you can apply to access your superannuation early under particular circumstances, such as if you need to pay for medical treatment, are facing severe financial hardship, or are diagnosed with a terminal illness.
To access super early, you will need to apply to the Department of Human Services, or directly with your super fund. You may need to provide supporting documentation. Call 13 11 20 to speak to Cancer Council’s Legal and Financial Referral Service for more information.
Insurance
People often don’t realise that they have insurance attached to their superannuation. Many funds offer insurance by default.
Common types of insurance provided through superannuation funds can include income protection, total and permanent disability and life insurance (may be called death cover).
To find out whether you’re eligible to access cover through superannuation insurance or how accessing your super early will affect your insurance entitlements, talk to your insurer or to a financial planner.
| For more on this topic, call Cancer Coucil 13 11 20 or see Cancer and your finances where you will also find fact sheets on superannuation, insurance, debts and funerals. |
Click on the icon below to download a PDF booklet on cancer and your finances.
Instructions for downloading and reading EPUB files
Apple devices
The iBooks application must be installed on your Apple device before you can read the EPUB.
Different ways to download an EPUB file to your Apple device:
- email EPUB files to yourself and transfer the attachment to iBooks.
- copy EPUB files into DropBox (or a similar service) and use the DropBox app to send them to iBooks.
- open EPUB files directly from Mobile Safari and open them in iBooks, where they are saved automatically by downloading the EPUB from the website.
Need more help? Visit: http://support.apple.com/kb/HT4059
Kobo
To download an EPUB file to your Kobo from a Windows computer:
- download and save the EPUB directly onto your desktop.
- connect your Kobo to your computer using the USB cable and tap “Connect” on your eReader.
- select “Open folder to view files” to view the contents of your Kobo.
- navigate to where you have stored your EPUB file in “Finder”, in documents or downloads, and drag and drop it into the Kobo window. You can now disconnect your Kobo to read the eBook.
To download an EPUB to your Kobo from a Mac:
- download and save the EPUB directly onto your desktop.
- connect your Kobo to your computer using the USB cable and tap “Connect” on your eReader.
- open your “Finder” application.
- select “Kobo eReader” from the listed devices to view the contents of your Kobo.
- navigate to where you have stored your EPUB file in “Finder”, probably in documents or downloads, and drag and drop it into the Kobo window. You can now disconnect your Kobo to read the eBook.
Turn on your Kobo and your EPUB will be located in “eBooks”, while a PDF will be located in “Documents”.
Need more information? Visit: http://www.kobo.com/help/koboaura/response/?id=3784&type=3
Sony Reader
To download an EPUB file on your Sony Reader™:
- ensure you have already installed the Reader™ Library for PC/Mac software
- select the eBook you want from our website and click the link to download it.
- connect the Reader™ to your computer.
- open the Reader™ Library software and click “Library” in the left-hand pane and select the eBook to view it.
Need more help? Visit: https://au.readerstore.sony.com/apps_and_devices/
Amazon Kindle 2nd Generation devices
EPUB files can’t be read on the Amazon Kindle™. However, like most eReaders, Kindle™ 2nd Generation devices are able to display PDFs. We recommend that you download the PDF version of this booklet if you would like to read it on a Kindle™.
To transfer a PDF to your Kindle™ via USB cable from your computer or Mac:
- download the PDF directly onto your computer.
- connect the USB cable to your computer’s USB port, and the micro USB end of the cable to your Kindle™. Note: the Kindle™ won’t be available as a reading device while it is connected to your computer until it has been disconnected.
- open the Kindle™ drive and several folders will appear inside. The “Documents” folder is where you will need to copy or drag the PDF to.
- safely eject your Kindle™ from your computer and unplug the USB cable. Your content will appear on the Home Screen.
Kindle also provides a Kindle Personal Documents Service that allows users to send documents as an attachment directly to your eReader. For more information on this service, visit http://www.amazon.com/gp/help/customer/display.html/ref=help_search_1-1?ie=UTF8&nodeId=200767340&qid=1395967989&sr=1-1
For more information on accessing a PDF on your Kindle™, visit www.amazon.com/manageyourkindle, log in to your account and click on Personal Document Settings.
Need more help? Visit https://www.amazon.com/gp/help/customer/display.html?nodeId=200375630
Android and PC
You can also download and open eBooks on Android devices and PCs with appropriate apps or software installed. Suitable eReader apps for Android include Google Play Books, FBReader and Moon+ Reader. Suitable software for PCs include Calibre and Adobe Digital Editions.
This information was last reviewed in December 2016
Support services
Coping with cancer?
Speak to a health professional or to someone who has been there, or find a support group or forum
Need legal and financial assistance?
Pro bono services, financial and legal assistance, and no interest loans
Cancer information
What is cancer?
How cancer starts and spreads
Dealing with the diagnosis
Common reactions to a cancer diagnosis and how to find hope
View our publications
Guides and fact sheets for people with cancer, their families and friends
