Early Access Your Superannuation For Dental Treatment
Did You Know You Can Use Your Superannuation for Dental Treatment?
If you need dental care but are worried about the cost, there’s good news — you may be able to access your superannuation to help pay for it. This includes procedures such as dental implants. This guide explains how you can use your super to cover dental expenses and what steps to follow.
What Is Superannuation and How Can It Help With Extensive Dental Treatment?
Superannuation (super) is a retirement savings fund regulated by the Australian Taxation Office (ATO). Normally, it’s only accessible when you retire or reach the age of 65.
However, in certain situations, you can apply for early release of your superannuation — including for urgent dental care. This can be especially helpful for extensive treatments such as:
Replacing missing teeth with dental implants
Tooth extractions
All-on-4 or All-on-6 implant procedures
Using your super for dental care allows you to address urgent oral health needs without facing overwhelming financial pressure.
How Can I Access My Super for Dental Treatment?
The early release of super is generally granted on compassionate grounds for critical situations. For dental treatments, you may be eligible if you can provide:
Evidence of severe and persistent dental pain
Proof that the pain has lasted for a long time and has worsened over time
A medical report from a qualified professional detailing the progression of your condition
This medical report must be submitted to the ATO for assessment.
Every application is reviewed on a case-by-case basis, meaning eligibility can vary depending on your individual circumstances.
Benefits of Using Superannuation for Dental Care
If you cannot afford the cost of treatment, early access to your super can offer several advantages:
Covers family members — You may be able to use it for your spouse or children.
Private clinic access — Get treated by skilled professionals in a private dental setting.
Avoid debt — Reduce the risk of large medical bills or taking on loans.
No credit checks — Unlike other financing options, there are no background checks.
What Types of Dental Treatments Are Covered?
What Types of Dental Treatments Are Covered?
The early release of superannuation can cover a range of dental procedures, including:
Orthodontic treatments — braces, aligners
Oral surgery — wisdom teeth extractions, dental implant surgery (including All-on-X implants)
Periodontal treatments — gum disease management
Restorative treatments — dental crowns, bridges
You should consult your dentist and a financial advisor to confirm whether your specific procedure qualifies.
Steps to Access Your Super Early for Dental Treatment
If you believe you meet the eligibility requirements, here’s how to proceed:
1. Consult Your Dentist
o Get a detailed treatment plan and cost estimate.
2. Seek Financial Advice
o Discuss the financial implications with a professional.
3. Submit Your Application
o Complete the Early Release of Superannuation form on the ATO website.
4. Await the Decision
o The ATO will review your case to determine eligibility.
5. Receive and Use the Funds
o If approved, the ATO will release the funds to you, which must be paid directly to your dental provider for treatment.
How Long Does the Process Take?
Processing times vary depending on the complexity of your case and the ATO’s current workload, but it usually takes a few weeks.
To avoid delays:
Submit all required documentation
Be patient during the review process
Risks of Accessing Your Super Early for Dental Work
While using your super can be a great solution when no other options are available, it’s important to be aware of the risks:
Unauthorised withdrawals can lead to significant financial penalties
Reducing your super balance early may impact your long-term financial security