Supporting Your Health, Without the Financial Stress

Access your superannuation for dental treatment

reach, especially when care is urgent or complex. If you’re facing significant dental issues and unable to fund treatment through traditional means, you may be eligible to access your superannuation early under compassionate grounds. At SIA Dental, our team can guide you through the process with clarity and support so that you can focus on your health without added financial pressure.

What Is Superannuation and How Can It Help?

Superannuation is a long-term savings system that helps Australians prepare for retirement. In some cases, the Australian Taxation Office (ATO) allows early access to these funds to cover essential medical or dental treatments—particularly when the treatment is needed to manage pain, prevent deterioration, or significantly improve quality of life.

Am I Eligible to Use Super for Dental Care?

You may be eligible for early super access if:

The dental condition is chronic, acute, or impacting your daily life
The treatment is considered medically necessary
Other financial options are unavailable
You can provide supporting documentation from your dentist (and sometimes your GP)

We can talk you through the criteria and help you prepare the information needed for your application.

How the Process Works

Accessing your superannuation through the Compassionate Release of Superannuation (CRS) program involves a few key steps:

Book a Consultation

We’ll assess your dental needs and confirm whether the treatment qualifies as medically necessary.

Gather Documentation

We’ll provide a detailed report outlining your diagnosis and recommended treatment. In some cases, additional documentation from a GP may be required.

Apply via myGov

Log in to your myGov account, go to the ATO portal, and complete the application under the “Compassionate Grounds” category.

ATO Assessment

Once your application is submitted, the ATO will review your case. This can take a few weeks, and we’ll stay in touch to support you through the process.

Begin Treatment

Once funds are released, we’ll schedule your care and make sure everything is in place for a smooth experience.

Things to Consider Before Applying

Accessing your super early can offer much-needed relief, but it’s essential to understand the complete picture:

Withdrawing funds now may affect your future retirement savings.
There may be tax implications depending on your super fund.
Not all treatments or applicants will qualify.

We encourage you to speak to a financial adviser before making any decisions.

What treatments are typically covered?

While eligibility depends on individual circumstances, patients often access superannuation to cover:

We’ll help determine if your treatment plan qualifies.

Frequently Asked Questions

What types of treatment can I use my super for?

Eligible treatments usually include medically necessary ones, such as implants, oral surgery, and advanced restorative procedures, not elective or cosmetic-only care.

How long does the process take?

Once your documents are submitted, most ATO applications are processed within 2–4 weeks.

Can I use my super for a family member’s dental treatment?

Yes—if the treatment is for a dependent and meets the compassionate grounds criteria.

Can you help with the paperwork?

Absolutely. We’ll provide all required dental documentation and walk you through the steps for a complete application.

DENTIST MELBOURNE

Take the Next Step With Confidence

We’re here to support you if you’re considering using your superannuation to fund your dental care. Let’s talk through your options and help you decide what’s right for your health and your future.