Superannuation Dental Treatment
This page discusses the early release of superannuation on specified compassionate grounds report by medical practitioner and how you can effectively go about using my super for dental work ato. We will let you know who qualifies and how to start the process, including relevant links to websites and forms that you will need.
Using my Super for Dental Treatment ATO
Using your super for dental treatment is known as compassionate early release of superannuation. There are strict criteria for the early release of super for dental treatment from the ATO.
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Can I use my Superannuation to pay for dental treatment?
To meet the criteria you must have been suffering from a chronic or acute dental pain.
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Who is eligible to use their Superannuation for medical treatment?
To be eligible you need to be able to fit into one of the following;
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a life threatening illness or injury
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acute or chronic pain
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an acute or chronic mental illness.
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The criterium most dental patients who access their super for dental treatment use is the one associated with acute or chronic pain.
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Dental treatment is considered medical treatment as you may notice that on the form it states medical treatment and not dental treatment.
What do 'chronic' and 'acute' mean?
The word acute means there has been a rapid onset or progress of your pain. And means the treatment you require is urgent.
The word chronic means longer duration (usually at least 3 months), and the pain may have been stable or had periods where it has flared up and settled back down.
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How do I get the process started?
To access the paperwork go to the official Australian Taxation Office Website (ATO). You will need to fill out the Early release of super for dental treatment form. For the link to see about the compassionate release of super and the steps required and forms click here. Once you have everything filled in you will need to upload all the information through the mygov website.
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Dental work using super:
The medical report is a certification and must be provided by 2 practitioners. They can be either
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a General practitioner (GP) and a dental practitioner (general dentist or dental specialist)
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OR​
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two dental practitioners where one must be a dental specialist.​
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allied health practitioners such as physiotherapists and chiropractors are not able to provide certification. ​
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The treatment must be treatment that is not readily available through the public system.
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This process can take several weeks (or longer). If you have your treatment plan approved by the ATO they will release the money to you. You will then have to pay the dental practice. Using your super for dental treatment through the ATO can be beneficial to those with long term chronic dental problems or pain. If this sounds like something you may be interested in, please don't hesitate to have a discussion with one of our dentists.
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For more information, and to download the form you need, please see the Australian Taxation Office (ATO) website.
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***If you plan to use your Superannuation to fund your dental treatment, please consult your tax accountant.
Using my super for Dental Treatment ATO - useful Link
Supercare
We are also partnered with a dedicated group called Supercare, who will be able to manage the application process for you. The team at Supercare charge a fee to the patient of $780 (*current 2024) for their service. The advantage of using a company like Supercare is that they will help you through every step of the process. They also have a 'no win no fee' policy so in the unlikely event your claim is not approved by the ATO you get your fee back. If you feel like going through the process yourself would just be too difficult or don't have the time to follow up with everything, please visit our Supercare page and fill out the forms and one of the Supercare team will get in touch with you within 24 hours. Alternatively you can let us know at Dentista and we will get the ball rolling for you with Supercare.
