Compassionate early release of Superannuation

Can I use my Superannuation to pay for treatment?

Compassionate Release of Superannuation is a helpful way to fund dental treatment that you require, and cannot otherwise pay for. To meet the criteria you must have been suffering from a chronic or acute dental pain. We can help you with this process and advise if you are a suitable candidate. 

Who is eligible to use their Superannuation for medical treatment?

The criteria one must meet to have the early release of superannuation for medical treatment are;

  • a life threatening illness or injury

  • acute or chronic pain

  • an acute or chronic mental illness.

The criterium most dental patients who access their super is the one associated with acute or chronic pain.

Dental treatment is considered medical treatment. 

What do 'chronic' and 'acute' mean?

The word acute means there has been a rapid onset or progress of your pain. And means the treatment you require is urgent. 

 

The word chronic means longer (usually at least 3 months duration), and the pain may have been stable or had periods where it has flared up and settled back down. 

How do I get the process started?

You will need to have a Medical Report filled in to certify you have been in acute or chrnoic pain. To access the paperwork go to the official Australian Taxation Website. Once you have everything filled in you will need to upload all the information through the mygov website.

The medical report is a cetification and must be provided by 2 practitioners. They can be either

  • a General practitioner (GP) and a dental practitioner (general dentist or dental specialist)

    • OR​

  • two dental practitioners where oe must be a dental specialist.​

    • allied health practitioners such as physiotherapists and chiropractors are not able to provide certification. 

The treatment must be treatment that is not readily available through the public system. 

This process can take several weeks (or longer). If you have your treatment plan approved by the ATO they will release the money to you. You will then have to pay the dental practice.

For more information, and to download the  see the Australian Taxation Office website here