Accessing superannuation through the Early Release of Superannuation (ERS) program for dental treatments in Australia is only possible under specific circumstances. These circumstances typically fall under the ‘compassionate grounds’ category, where you can apply for early release of your super funds to cover dental treatment costs if it’s deemed necessary for your medical required to either:
· Treat a life-threatening illness of injury,
· Alleviate acute or chronic pain, or
· Alleviate acute or chronic mental illness.
- You may be eligible for accessing Super under compassionate grounds for dental treatments if you meet the following requirements:
You are or have been a citizen or permanent resident of Australia or New Zealand
You require dental treatment to either
Treat a life-threatening illness of injury,
Alleviate acute or chronic pain, or
Alleviate acute or chronic mental illness.
The treatment is not readily available through the public health system
You must have exhausted all other forms of payment, such as private health insurance.
What Dental Treatment Can be Done Using Superannuation:
With Supercare Dental & Cosmetics, you can get the following treatments done using your superannuation fund:
Your superannuation fund covers all types of implants, including All-on-X, individual, dentures, and more, available at Supercare.
Considering that root canal is required to alleviate severe dental pain and prevent the spread of infection that could impact overall health, it qualifies for Super.
Crowns are eligible for ERS if they are deemed medically necessary to address dental issues that impact overall well-being.
Although orthodontics is typically considered elective treatment, it is considered in cases of severe misalignments impacting dental health significantly.
This includes dental surgery or any dental treatment that requires patient sedation.
Who Can Apply ? How Long Does it Take ?
To be eligible, you need to meet the following requirements:
· You are or have been a citizen or permanent resident of Australia or New Zealand
· You require dental treatment to either
– Treat a life-threatening illness of injury,
– Alleviate acute or chronic pain, or
– Alleviate acute or chronic mental illness.
· The treatment is not readily available through the public health system
The ATO normally takes up to 14 days to assess your application. If approved, you need to contact your super fund to arrange release.
Supercare FAQs
Yes, you may be eligible to access your super for the dental treatment of another person, but your application to the ATO may require additional information to support you have a dependant relationship.
Yes, you can access your superannuation for dental work under the ERS on compassionate grounds. This typically requires meeting specific eligibility criteria, having a severe dental condition, obtaining certification from a medical practitioner, demonstrating financial hardship, and exhausting other options for funding the necessary dental treatment.
The ATO normally takes up to 14 days to assess your application. If approved, you need to contact your super fun to arrange release..
The application process for accessing superannuation for dental treatment can vary based on factors such as the completeness of the application, the complexity of the case, the volume of applications being processed, and the responsiveness of the applicant in providing necessary documentation. Our experts are here to help you out with the application process so that it can be reduced as much as possible.
Yes, there is a limit to the amount of superannuation that can be withdrawn through your Super. The maximum amount allowed for withdrawal depends on your circumstances and needs, as assessed by the Australian Taxation Office (ATO) or the superannuation fund.