Implant and full-arch treatment is a significant cost. For some people, compassionate release of superannuation can help fund treatment that's genuinely needed. Here's how it works.
What is compassionate release of super?
It's a scheme run by the Australian Taxation Office (ATO) that lets eligible people access part of their super early for specific purposes — including medical and dental treatment — when they can't pay for it any other way.
Who may be eligible?
For dental treatment, the ATO generally looks at whether the treatment is needed to treat a life-threatening illness or injury, or to relieve acute or chronic pain, and whether it's readily available through the public health system. You also need to show you can't meet the cost from other resources. The ATO decides eligibility and the amount released — not your dentist.
How the process works
- Consultation and quote. We assess you and give you a written treatment plan and quote.
- Practitioner certification. Two registered practitioners certify that the treatment is needed. We prepare the clinical documents and explain what's required.
- Apply through myGov. You lodge the application with the ATO online.
- Approval and release. If approved, your super fund releases the approved amount.
- Treatment. Once funds are available, we confirm your treatment dates.
Things to consider
- Released super may be taxed as a lump sum.
- Withdrawing super reduces your retirement savings.
- Some funds may reduce insurance cover attached to your account.
We recommend getting independent financial advice before applying. Full details are on the ATO website. Interest-free payment plans are also available — see pricing and payments.
This article is general information only and isn't a substitute for a personal clinical assessment. Any surgical or invasive procedure carries risks. Before proceeding, you should seek a second opinion from an appropriately qualified health practitioner.