Sorting out your finances after a heart attack

Health insurance and ambulance cover  

Income protection and life insurance 

• Your family history 
• How severe your heart condition is 
• How well it’s controlled. 

Benefits and financial support  

• Sick leave through your employer.  
• Insurance and superannuation policies, which may cover some bills or replace some income. 
• Transport cover or subsidies through your hospital.  
• Mobility Allowance - check if you’re eligible. 
• Concessions, healthcare cards and benefits (like Sickness Allowance or the Disability Support Pension) can be arranged through Centrelink. Access to benefits depends on your finances, age, health and how long you’ve lived in Australia.  
• Emergency relief charities can help out with food, transport and vouchers. They can also help you with bills, or budgeting. Emergency relief is free, but you might have to qualify. There are many different providers who may be suitable for your needs.  

Here are some other things you can do to save money: 

• Make sure your pharmacy has your Medicare number on file, so you’ll only be charged the Pharmaceutical Benefits Scheme (PBS) price. There’s a PBS Safety Net too, so once you’ve spent a certain amount on prescription medication (per calendar year), the rest is free or cheaper.  
• Have your medication reviewed to make sure you’re not buying things you no longer need. Your doctor or pharmacist can do this, or you can apply for a Home Medicines Review. 
• You can also save money at the pharmacy by buying cheaper generic brands and receiving subsidies. Just ask. 
• If you have debts, call the company you owe and explain the situation. Many companies have hardship officers who can help work out repayment plans.   

If you need more financial advice, the MoneySmart website is a great resource.