Hello Freffles and welcome to Beyond Blue forums
Good to see you've found your way to our community of caring, friendly, supportive and non judgmental people.
My heart goes out to you - So sad to hear about your wife. Thank you for sharing your story.
I'm not a health professional, just some one who has a mental illness and can share my experiences.
I tend to ask questions, however, there's no pressure on you to answer anything you don't want to.
From my experience, income protection is only for yourself or for another who take out the insurance on. However, check out the insurance company's income protection policy. It will contain information about whether your situation would be covered. Have you thought of any other alternatives? For instance Centrelink has a Carer's Payment / Allowance. There are a number of elibility requirements. All this information is available from their website. Do a google search for - Centrelink carer payment.
You've had quite a lot to contend with over the past couple of years. I do feel for you. So many things - your partners passing, not being able to work, your daughter's health and self harm. I expect you'd be experiencing grief. I know I would as it's impossible to imagine life after my hubby. The grieving process takes a number of phases, has no time limit or no set way the steps will happen. Be kind to yourself Freffles. It sounds like you need some help in your life. Is there anyone to talk to, for example close family member or trusted friend?
Caring for someone is very demanding isn't it. Especially when it's 24/7. I would need a break and would check out respite care services available in your state. For me, this is essential so I could continue to support my family. If you don't get a break, you're health will decrease. As you've already indicated you have a MHP. I'd definitely make time for this and use respite care to help out during your visits.
Be kind to yourself. Try to make some time to do something for yourself, even if it's just a walk along the beach, a game of pool or darts at your local pub, go for a run. What sorts of things do you like - sports, something intellectual or cultural? It's okay to do this for yourself. Think of it as a reward as well as something to get rejuvenated.
You're not alone Freffles. Keep reaching out when and if you want to and let us know how you get on.