Significant financial hardship includes if you're:
unable to meet minimum living expenses
unable to meet mortgage repayments on the home you live in, resulting in your mortgage provider enforcing the mortgage on your property
modifying your home to meet special needs because of you or a dependent family member having a disability
paying for medical treatment if you or a dependent family member:
becomes ill
has an injury, or
requires palliative care
suffering from a serious illness
incurring funeral costs if a dependent family member dies.