Information about eligibility, assessment and considerations for compassionate release of superannuation.
We offer thorough clinical consultations at our Canberra City practice. Our experienced dentists assess your oral health, discuss suitable clinical solutions, and prepare the detailed documentation required for third-party funding pathways.
Early access to superannuation for dental treatment is available only in limited circumstances. The ATO assesses applications against its compassionate-release requirements. Our clinic cannot approve an application or guarantee its outcome.
Compassionate release may allow eligible people to access superannuation early for treatment needed to treat a life-threatening illness or injury, or alleviate acute or chronic pain or mental illness. The treatment must not be readily available through the public health system, and the applicant must be unable to meet the expense through other means.
Our role is to assess your dental condition and provide an accurate treatment plan, itemised quote and relevant dental documentation.
Needing implants, crowns, veneers or other dental treatment does not automatically establish eligibility. Treatment sought solely to improve appearance does not, by itself, meet these requirements. The ATO assesses the clinical reason for treatment, supporting evidence and financial circumstances.
Withdrawing super early reduces your retirement savings and future investment earnings. Tax and government benefits may also be affected. Consider treatment alternatives and other ways to meet the cost, and seek independent financial advice before deciding.
Check the ATO’s current eligibility and supporting-document requirements before applying. If you choose to seek application assistance, ask the provider to explain its services and fees. You do not have to use a particular facilitator. Never share your myGov sign-in details.
1. Your Clinical Assessment
Our dentists assess your dental condition and discuss suitable treatment options, alternatives, risks and costs. Any treatment plan and supporting documentation must reflect your clinical needs.
If you choose to use an application-assistance service, ask for written details of its role, fees and payment terms before agreeing. Assistance does not guarantee eligibility or approval.
3. Supporting Documentation
Check the ATO’s current requirements for supporting reports. Our clinic can provide an accurate treatment plan, itemised quote and relevant dental documentation following clinical assessment.
4. ATO Assessment and Fund Release
The ATO assesses the application. If approved, you must also complete your super fund’s release requirements. Approval and payment dates are not guaranteed.
No. The ATO assesses compassionate-release applications. Our clinic cannot approve an application or guarantee its outcome. If approved, you must also complete your super fund’s release requirements.
Timing varies with the application, supporting documents, ATO assessment and your super fund’s processing. Check with the ATO and your fund for current timeframes. We cannot guarantee an approval or payment date.
If you choose to use a service to help prepare or submit your application, it may charge a separate fee. Superannuation cannot be released on compassionate grounds to cover that application-assistance fee.
Ask the provider for written details of its fees and payment terms before agreeing to its service. Clinical assessment and treatment costs are separate.
If you require major restorative dentistry or implant surgery, the first step is obtaining an accurate diagnosis and a transparent, itemised treatment plan.
Book an appointment at Civic Gentle Dental Care in Canberra City today to assess your oral health and explore the funding pathways available to you.
