This submission is based on the Anglicare research report Thin Ice, about the experience of people with serious mental illnesses, and on Hard Times, a survey of emergency relief and financial counselling clients in Tasmania. This survey suggested that people affected by mental illness face a very high level of chronic financial hardship. It is Anglicare’s view that all income support payments in Australia need to be increased to a level sufficient to provide a basic, acceptable standard of living. Nor should income management substitute for genuine action to address income adequacy.