Dental care can be costly—especially when urgent issues like pain, infection, or a broken tooth arises. At Mentone Family Dentist, we believe no one should have to delay important treatment due to financial barriers. That’s why we want to share a little-known but valuable option: early access to your superannuation for dental treatment under compassionate grounds.
This blog will outline what this means, how to apply, and how we can help you through the process.
What Is Compassionate Release of Super?
The Australian Taxation Office (ATO) allows early access to your super for specific, medically necessary purposes. This includes dental care that:
- Relieves acute or chronic pain
- Prevents serious deterioration in your health
- Improves quality of life when no alternative options are available
This system was created to support people in genuine need and provide access to timely care that may be otherwise be out of reach.
Can Dental Treatment Qualify?
Yes! Many of our patients have successfully accessed their super to fund:
- Emergency dental extractions
- Full-mouth rehabilitation
- Treatment for severe gum disease
- Jaw pain related to bite issues
- Dental concerns affecting mental health
To qualify, the treatment must be clinically necessary and not available within a reasonable timeframe through the public system.
What Do You Need to Apply?
The process is structured but simple. Here’s what you’ll need:
1. Two Medical Reports
- One from your general practitioner (GP)
- One from your dentist
These must be completed within 14 days of each other, confirming the need for treatment and the lack of timely public options.
2. A Detailed Treatment Plan
We’ll provide this after your consultation, outlining recommended treatment and associated costs.
How to Apply
Once you have your documents, log in to your myGov account and apply under the ATO’s "Compassionate Release of Super" section.
Click here for ATO instructions and to apply
Applications are typically processed within two weeks.
After You’re Approved
If your application is successful, your super fund will release the approved amount for your dental treatment. We’ll ensure your care is delivered with transparency and professionalism—just as outlined in your treatment plan.
We recommend staying aligned with the original plan to avoid delays or complications.
Using the System Responsibly
This compassionate system depends on ethical use. Healthcare providers may notify the ATO if funds are misused, and penalties can apply for false claims.
But if your need is genuine, you can move forward with confidence. We’ll support you without pressure or judgment.
Need Help With the Application?
There are services available to guide you through the paperwork:
These organisations specialise in compassionate release applications. Just be aware that they charge a fee and should never be given your myGov login.
We know how overwhelming it can be to face dental problems and financial stress at the same time. But you’re not alone.
If you think early access to your super could help, we’re here to guide you through it. Book a consultation today to learn more and talk about your options.