Using your super for the care you need
If significant dental treatment is affecting your daily life, you may be able to access some of your superannuation early, on compassionate grounds, to pay for it. We'll prepare the report the ATO needs and connect you with AccessMySuper, who guide you through the rest.
Facilitated by AccessMySuper, an external licensed provider. Eligibility is decided by the ATO.
What is compassionate release of super?
The Australian Taxation Office lets people access part of their superannuation early, on compassionate grounds, when they need medically necessary treatment they cannot otherwise afford. Dental care is included where it relieves chronic pain or restores function.
It is meant for genuine clinical need, not cosmetic work. Whether it applies to you is decided by the ATO, based on the reports your practitioners provide.
Treatment it may help fund
Usually larger, function-restoring or pain-relieving treatment, such as:
Dental implants
Single implants through to full-mouth rehabilitation and All-on-4.
Crowns & restorations
Rebuilding damaged or failing teeth so you can eat comfortably again.
Dentures
Restoring the ability to chew and speak with confidence.
Root canal & extractions
Resolving infection and persistent pain.
Orthodontics
Where alignment affects function or health, not for appearance alone.
Full-mouth rehabilitation
Comprehensive, staged care to restore a healthy, working mouth.
Cosmetic-only treatment, such as whitening or veneers for appearance alone, is not eligible.
How it works, made simple
1 · Talk to us
Come in for a consultation so we understand your needs and concerns.
2 · Your care plan
We prepare a clear, prioritised care plan and a written estimate.
3 · We prepare the report
We complete the clinical report the ATO requires for your application.
4 · AccessMySuper applies
AccessMySuper, a licensed provider, lodges and manages your ATO application.
5 · Funds released, care begins
Once approved, the released funds cover your treatment and we get started.
Who can access it?
Eligibility is determined by the ATO, and generally applies where:
- treatment is needed to relieve chronic pain or restore function
- going without it would harm your oral or general health
- you have no other reasonable way to pay for it
- your treatment is supported by the required practitioner reports
Not sure if it applies to you? Ask us, and we'll talk it through honestly.
AccessMySuper handles the application
AccessMySuper is an external, licensed provider that specialises in early-release applications. They manage the paperwork with the ATO and answer the financial questions that sit outside our role as your dental team. We never need your myGov details.
Common questions
What can it be used for?
Medically necessary treatment that relieves pain or restores function, such as implants, crowns, dentures and full-mouth rehabilitation. Cosmetic-only treatment is not eligible, and the ATO makes the final decision.
Who decides if I'm eligible?
The ATO, based on medical necessity. We, and where needed your doctor, provide the reports, and AccessMySuper helps you lodge the application.
Do I have to pay upfront?
Once your application is approved, the released super funds cover your treatment. If there's a gap, we can talk through payment plans.
How long does it take?
Applications are usually processed within a few weeks once lodged with the ATO. AccessMySuper keeps you updated along the way.
Can I access it for a family member?
In some cases super can be used for a dependant's treatment. AccessMySuper can advise on your situation.
Will you ask for my myGov login?
Never. We do not need, and will never ask for, your myGov details.
We're here whenever you're ready
Our team can help you navigate the early release process — book a chat today.
364 Dandenong Rd, East St Kilda VIC 3183
Opening hours
- Mon – Thu8.30am – 4.00pm
- Friday8.30am – 4.30pm
- Saturday (monthly)8.00am – 4.00pm
- SundayClosed
Caring for families on the corner of Dandenong Road since 1980, across Melbourne's inner south-east.