Using Superannuation For Dental Treatment In Perth

Did you know that 3 in 10 Australians avoid the dentist due to cost concerns? Spring Orchid Dental understands this challenge. This article covers all you need to know about using your super for dental treatment, including the compassionate release of superannuation funds.

Access Dental Care Easily With Superannuation

In Australia, you can tap into your superannuation (super) to cover necessary dental treatments if you can’t afford them otherwise. This is possible through the Early Release of Superannuation program on compassionate grounds. Superannuation, or super, is a retirement savings system where employers contribute a portion of an employee’s pay into a super account, which is then invested in assets like stocks, property, cash, and bonds. Established in 1992 under the Superannuation Guarantee (SG) system, contributions have increased incrementally to the current rate of 10.5%, slated to reach 12% by July 2025. 

Dental treatments can be included in superannuation funds under certain circumstances. The early release of superannuation funds can be used to pay for essential dental treatments through programs like the ‘Compassionate Release of Superannuation.’ This option allows individuals to cover out-of-pocket expenses for dental treatments that are necessary for immediate conditions causing pain and distress, especially when there is a risk of complications or further problems.

Dental Procedures Eligible For Early Super Release

You’re probably thinking, “Can I use my super for specific dental procedures?”. 

Think of it this way: super isn’t there for routine exams; super is designed to aid with severe dental conditions. The good news is that specific treatments may qualify for early super access. To help you get started, here are a few examples:

  • Dental implants: Replace missing teeth with a natural-looking, long-lasting solution.
  • Dental crowns: Restore strength, function, and aesthetics to damaged teeth.
  • Braces/orthodontic care: Achieve a straighter, healthier smile and improve oral health.
  • Root canal surgeries: Removing damaged pulp tissue saves a tooth from infection.
  • Periodontics treatments: Treat gum disease and prevent tooth loss.
  • Oral and maxillofacial (O&M) surgeries: Address a wide range of jaw and facial concerns.

Early Release Of Super For Dental Eligibility

First things first—see if you qualify. Depending on your circumstances, dental procedures may be eligible for early superannuation fund release.

Here are the requirements you need to check off the list:



Medical Treatment Need

You or a dependent require treatment to address the following:

  • A life-threatening illness or injury. 
  • Acute or chronic pain (including dental pain). 
  • Acute or chronic mental illness and treatment aren’t readily available through the public health system.

Unpaid Expense

The dental treatment you need must be unpaid.

Financial Hardship

You must be unable to afford the treatment through other means, such as loans, savings, or selling assets.

Residency Status

You must be a current or former citizen/permanent resident of Australia or New Zealand.

Supporting Documentation

You’ll need to provide all required documentation, including 

  • Financial Evidence: An itemized quote or invoice showing unpaid expenses and a treatment plan connecting those expenses to the necessary treatment. 
  • Clinical Evidence: Two recent (less than 6 months old) medical reports: 
    • One from a medical/dental specialist relevant to the treatment (e.g., Prosthodontist for dentures). 
    • One from a dentist or general medical practitioner.

Applying For Early Super Release For Dental Treatment

Step 1: Consult with a Medical Practitioner

Schedule an appointment with a registered medical practitioner to discuss your dental condition. Obtain necessary documentation from the practitioner to support your application for the release of superannuation funds for dental treatment.

Step 2: Check Eligibility Criteria

  • Ensure you meet the eligibility criteria set by the Australian Taxation Office (ATO):
  • Provide evidence of acute or chronic dental pain.
  • Lack dental insurance coverage for the required treatment.
  • Demonstrate financial inability to afford the treatment through other means like loans, savings, or selling assets.
  • Confirm that the dental treatment is unpaid and has not been covered by other payment methods.

Step 3: Obtain Certification

Obtain certification from qualified dental practitioners, such as dental specialists or general practitioners (GPs), confirming the necessity of the treatment for your dental condition. This certification is crucial for supporting your application.

Step 4: Submit Documentation

  • Gather all necessary documents, including:
  • Treatment Plan outlining the required dental procedures.
  • Medical reports from your medical practitioner confirming your dental condition.
  • Financial quotes detailing the cost of the treatment plan.
  • Submit these documents to the ATO for review.

Step 5: Apply Online

Access the Early Release of Super for Dental Treatment form on the ATO website. Fill out the form accurately and completely, providing all required information. Attach the gathered documentation and submit your application through the myGov website for processing.

Step 6: Await Processing

After submitting your application, the superannuation fund will review it. Processing times can vary, but it takes around 10 business days to approve and receive your funds. The ATO will review your application and the supporting documentation provided. If your application is approved, the ATO will release the funds for your dental treatment.

Step 7: Consider External Assistance (Optional)

If needed, consider engaging external service providers like Super Care Australia to assist you in navigating the application process for the Early Release of Superannuation. They can provide guidance and support to ensure your application is completed correctly and efficiently.

Next Appointment With Super At Spring Orchid Dental

At Spring Orchid Dental, we understand navigating financing options can be overwhelming. We’re happy to discuss your dental needs and explore options to achieve your healthy smile goals.

Our dental practice offers a more straightforward solution for your dental care needs in Perth, Western Australia. We use advanced technology and treat all patients with care, regardless of age. Plus, we can help you navigate the superannuation eligibility process.

Call us at 08 6155 8999 or visit us at 6/85 Walter Rd E, Bassendean, WA 6054, Australia (Between 8 AM and 5 PM, Monday through Saturday).

Don’t delay your dental health! Let our dentists help you achieve the healthy, confident smile you deserve.


How Do I Get The Process Started?

To qualify for compassionate release of superannuation for dental treatment, you’ll need a medical report certifying you have acute or chronic pain. Here’s how to get started:

  • Visit the ATO website: The Australian Taxation Office (ATO) website provides the necessary forms.
  • Download the form: Look for the “Early release of super for dental treatment” form.
  • Complete the Medical Report: You’ll need a medical professional to complete the report, certifying your dental pain.
  • Once you have the completed form, upload it and other supporting documents through the myGov website. The myGov website allows secure interactions with government services, including the ATO.

How Much Can I Access From My Super For Dental Treatment?

The amount you receive depends on two key factors: treatment cost and superannuation balance.

That means if your treatment costs $10,000 and your super balance is $20,000. Your ERS could approve the entire $10,000 because it is within the treatment cost or your super balance.

But, if your treatment costs $15,000, your super balance is only $10,000. Your ERS would only approve $10,000, matching your super balance even though it costs less than the treatment.

Are There Other Options For Financing Dental Treatment If I’m Not Eligible For Using Superannuation?

Absolutely! Here are some alternative options for financing dental treatment if you can’t use your superannuation:

Dental Payment Plans: Many dental offices, like Spring Orchid Dental, offer different payment plans. You make a deposit and then monthly payments on these plans. This lets you spread the cost of your treatment over a more extended time, which makes it easier to handle.

Low-Interest Medical Loans: These loans are more likely to cost less than regular personal loans because the interest rates are usually lower.

Putting your mouth health first is important, but how you go about it is even more important. Before choosing, consider what each financial option will mean in the long run. Book an appointment with us for more details.