Access My Super Helps You Afford Dental Care

A person may be eligible to access their superannuation for dental treatments. It falls under the Australian Taxation Office’s (ATO) Compassionate Release of Superannuation (CRS) program. This program allows people to withdraw a portion of their superannuation to cover necessary medical treatments. Dental care may be covered if certain criteria are met. Eligibility is based on medical necessity and specific requirements set by the ATO.

• Someone experiencing severe pain, discomfort, or difficulty with daily activities such as eating or speaking may qualify for early access.
• Dental treatment must be essential for maintaining or improving a person’s health and well-being rather than being purely cosmetic.
• A person must provide supporting documents from a registered dental professional and a medical practitioner. These files must confirm the urgency and necessity of the treatment.
• The application must be submitted to the ATO, and approval is required before funds can be accessed.

Access My Super can assist those who meet the eligibility requirements with the entire application process. Their team helps gather the necessary documents and submit the request. They work to make the process as smooth as possible, helping people get the care they need without unnecessary delays.

At Huntingdale-Thornlie Dental, we support patients throughout this process by providing treatment plans and necessary documentation. To learn more, visit Access My Super’s website or contact our clinic for guidance on starting your application.

A person can use their superannuation to pay for essential dental treatments that support their health and well-being. The treatment must be medically necessary rather than elective or cosmetic.

Here are some common types of treatments that may qualify:

• Major Dental Work:
  This includes procedures such as dental crowns, bridges, and dentures. These treatments are crucial for restoring both the function and appearance of a person’s teeth.
• Oral Surgery:
  Procedures like wisdom tooth removal or surgeries addressing jaw pain or structural issues fall under this category. Such surgeries are often necessary to alleviate discomfort and improve oral function.
• Dental Implants:
  Implants serve as a long-term option for missing teeth, significantly enhancing a person’s ability to eat and speak comfortably.
• Gum Disease Treatment:
  Professional care to manage gum infections is vital for maintaining oral health. This treatment helps prevent further complications that gum disease can cause when it is not managed.
• Root Canal Treatment:
  This procedure is essential for managing infections within the tooth and preserving natural teeth, thereby preventing extraction.

A person must provide medical evidence showing that their treatment is necessary for their health to qualify for early superannuation release.

At Huntingdale-Thornlie Dental, we help patients understand their treatment needs. We also work alongside Access My Super to assist with the application process. Contact us today to learn how we can help make dental care more accessible.

Yes, a parent or legal guardian can apply to access their superannuation to cover their child’s essential dental treatment. The process falls under the Australian Taxation Office’s (ATO) Compassionate Release of Superannuation (CRS) program. This allows withdrawals for medical care when no other financial options are available.

• The child must require dental treatment that is medically necessary for their health and well-being.
• A registered dental professional and a medical practitioner must provide supporting documents confirming the urgency of the treatment.
• The application must be submitted to the ATO for approval before any funds can be accessed.

Access My Super assists with preparing and submitting applications, helping to streamline the process. At Huntingdale-Thornlie Dental, we can provide the required treatment plan and documentation to support the application.

There is no set limit on the amount of superannuation that can be withdrawn for dental care. The Australian Taxation Office’s (ATO) Compassionate Release of Superannuation (CRS) program determines the approved amount based on the treatment cost.

The amount approved depends on the total cost of the necessary procedure and the balance available in the superannuation fund. A detailed treatment plan and cost estimate from a dental professional must be provided as part of the application. The ATO reviews each case individually and determines the final amount to be accessed.

The application process for accessing superannuation for dental treatments can vary in duration but generally follows a structured timeline. Here’s an overview of the steps involved and the expected timeframes:

1. Application Submission:
   Initially, you must submit your application to the Australian Taxation Office (ATO) through their online services via myGov.
2. ATO Processing:
   The ATO typically processes applications within up to four business days. If your application is approved, it will then be forwarded to your super fund for further review and payment processing.
3. Super Fund Review:
   Once your application reaches your super fund, they will review it. The Australian Prudential Regulation Authority (APRA) has suggested that super funds aim to process payments within five business days. This timeframe begins after they receive applications from the ATO. However, it may be extended if there are complications, such as suspected fraud or the need for additional verification.
4. Final Payment Transfer:
   After approval from your super fund, the funds will be transferred to your nominated bank account. The time required for this transfer can vary depending on the type of super fund you are with. State-administered funds or self-managed super funds may have different timelines.

Overall, the ATO aims for a total processing time of around two weeks. However, delays can occur due to the complexity of individual cases or high volumes of applications being processed at a given time.

To support a smoother process, applicants should provide all necessary documentation and information upfront. If you have not received your funds within a reasonable timeframe, contact your super fund directly. They can provide clarification on any potential delays.