Oh, I've just found this thread as my post was moved, didn't realise it existed. So sorry for asking the same question again.
I am excited to find out though, that the $75000 is only for half the year. We will be WAY under even with bonus', so we will qualify.
Thank you everyone for clearing this up. Still would prefer lump sum as we owe two different people $4000 for bills/babystuff/kindy fees etc. Anyway, they'll just have to accept it in bits slowly! xo