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Accessing Super For Dental Treatment

Key Takeaways:
  • Superannuation is an Australian program that provides medical and dental care to patients who need funding assistance for their dental treatment.
  • Superannuation funds can be used for dental treatments that are considered an emergency or quite critical and not covered in the public health system.
  • The early release of Superannuation funds can take about 14-28 days to process, and the withdrawn amount is taxed as a lump sum if accessed based on financial hardships.
  • It is important to weigh your options carefully before opting for early release of Superannuation funds for dental treatment, seek financial advice, and choose it as a last resort.

Accessing Super for dental treatment can be a hassle, especially if you are not well informed. Super is also known as “Superannuation fund” is a savings plan that allows you to put away money during the time you are working to prepare you for retirement. 

There are a few ways to make use of these funds for pressing dental issues which is what we will look at in depth.

Your mouth is prone to having issues, especially if you have poor dental hygiene. It could be gum swelling, toothache, holes in the teeth, or any other condition, and getting the best treatment may not be so easy with inefficient insurance and huge dental bills. So how is a Superannuation fund the solution?

In this article, we will give detailed information about accessing Superannuation for dental treatment.

Accessing Super For Dental Treatment

What is Superannuation and Can You Use it for Dental Treatment? 

Superannuation is an Australian program that provides medical and dental care to patients who need funding assistance for their dental treatment. Super gives coverage to individuals and even families. 

Although Super can provide financial assistance for dental treatments that some insurance policies do not cover and term cosmetic, it only covers dental treatments that are considered an emergency or quite critical and not covered in the public health system.

Understanding The Superannuation Fund in Australia 

The Australian Taxation Office (ATO) is the frontline of the Superannuation Fund. The accumulated funds are meant to be used upon retirement or at the age of 65 years.

Superannuation Funds are accrued to you through your employee’s deposits into a Super account registered in your name. This Super fee is independent of your salary or wages. 

Eligibility to Use Superannuation for Dental Treatment 

There is only one primary reason and means to trigger an early release of your Superannuation Funds which is compassionate early release strictly for critical cases. 

For dental treatment, the funds will be released upon proof of the presence of chronic and acute dental pain. 

This means the pain must have lasted a while and indicates a rapid increase in the amount of pain experienced over time. To validate the pain, you need to have a medical report clearly stating the case stage, to present to the Australian Taxation Office. 

The Benefits of Using Superannuation for Dental Treatment 

There are various benefits of using Superannuation for dental treatment, especially when you have no other means to cover these medical bills. 

The pain can be unbearable and quite frustrating. Here are a few reasons why an early release of Super funds is best for you;

  • You can readily get coverage for your family, spouse, and children.
  • You can get treated in a private dental facility giving you easy access to highly trained personnel.
  • Reduced risk of debts and unexpected huge medical bills.
  • No credit checks.

Early Release of Superannuation for Dental Treatment 

Superannuation funds can be made available in two to four weeks. Once your report is validated, you will be required to fill out early release paperwork which will take two to four weeks to process. 

These medical reports should clearly state your present medical condition and previous case files, it should also be validated by two medical practitioners.

When this is done, you are closer to having the funds released.

How to Apply for Early Release of Superannuation for Dental Treatment 

To apply for an early release of the Superannuation Fund, you need to process your application through your myGov account. The best way to go about it is by filling out the form physically or applying through the Australian Taxation office online.

Firstly, obtain your medical reports containing a valid reason why the fund should be released early, such as acute and chronic pain and treatment not available in the public health system.

Next, access the Australian Taxation Office online (myGov) and then choose the reason for the application. For example, your reason can be a compassionate release of Superannuation.

The Risks of Early Release of Superannuation for Dental Treatment 

Retrieving your Superannuation funds can seem like the best option, especially in situations where you have no other option for dental treatment. 

There are some risk factors attached such as;

  • Illegally withdrawn Super can lead to heavy financial penalties and burdens.
  • You risk reducing your financial stability in the future for the present.

Using Your Superannuation for Dental Work in Perth 

Perth is now known for its quality standard of dental care and partnering with a dental clinic that has experience with the compassionate early release of superannuation will make the process seamless.

Accessing Dental Treatment through Australian Super Dental 

The Australian Super Dental also verifies early Super release for some reasons including;

  • Compassionate release.
  • On grounds of relocation out of Australia.
  • Terminal sickness and incapacity.
  • Financial hardships.

Super Dental Treatment and Perth’s Dental Clinics 

At Perth dental clinics, the Superannuation early release still pertains and is very much a suitable payment plan in cases of insufficient or unavailable funds to take care of crucial and emergency dental issues. 

Perth offers high-quality service so, understandably, you will love to get the best care to take away the pain and risk of possible recurrence. 

Your oral surgeries, dental implants, and other treatments are now made easily accessible. Remember that you can get coverage for your family and it can be the full cost covered or part of the procedure, it all depends on your choice.


Is There a Way to Get an Immediate Release of Super Funds?

No. Superfund early release takes about 14-28 days to process the application and receive the approval letter.

Am I Eligible for the Superannuation Early Release?

You are eligible to withdraw the amount required when your Super funds are sufficient, the pain you experience or your condition is acute and/or chronic.

What Proof do I Need to Access Super Funds Early?

Firstly, you need proof of your condition obtained from two dental practitioners, a general practitioner, or a top dental.

Can I Access My Super for Dental Work?

You can get access to your Super Funds for dental procedures even without being 65 years or older. Accessing Super for dental treatment can help you get hold of your funds in no time. Obtain a quote from your dentist and the required reports to begin the process.

How Much Can I Withdraw from My Super for Dental Treatment?

You are allowed to have access to the amount needed for the procedure no matter how expensive or cheap it is as long as you meet the criteria and have sufficient balance in your super fund.

What Types of Dental Treatment can I Use My Superannuation for?

Not all dental treatments are eligible for coverage under the Superannuation fund. Some early Super access procedures are; dental implants, root canal surgeries, dental crowns, and periodontics.

Can I Get an Early Release of My Super Funds?

Yes, you can.

What Happens if I Cannot Pay Back the Early Release of Super for Dental Treatment?

Inability to return the released Super funds can accumulate tax implications on your account.

If you access your Super funds based on financial hardships, the withdrawn amount is then taxed as a lump sum.

Apart from this, there is no effect of non-return of your Super funds except losing out on certain privileges. These privileges can include the compound interest that your untouched Super fund account earns and the possibility of disrupting access to other government welfare programs.


Taking advantage of the policy to allow Australians early access to their Super funds can be helpful for patients that require financial assistance. 

But it remains important to weigh your options carefully before opting for this plan. It could affect you in the future and bring instability to your plans and retirement benefits. The best thing to do is to seek other alternatives, seek financial advice and choose the early release of Superannuation funds as a last resort.

Written By: Dr Kent Tan
Edited By: Dr Zaheer Kadwa
Reviewed By: Dr Ealin Lee


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Dr. Kent Tan - Author Bio

Dr Kent Tan is the top dental implant and cosmetic treatment expert. On average, he performs 500 to 1000 dental implants yearly, making him one of the most experienced dental implant surgeons in Perth, Western Australia.

Dr Kent is a certified Invisalign provider and has helped many patients achieve straighter teeth with a transparent braces system. In addition, he is skilled in performing a wide range of cosmetic dental treatments such as teeth whitening, dental veneers and bonding.

Dr Kent graduated from the University of Queensland and then went on to lecture in dental implants. He furthered his qualifications by graduating from the Master Clinician Programme in Implant Dentistry in Los Angeles, USA. This additional education allows him to provide his patients with the best possible care.

Customers Review

Mark TaylorMark Taylor
03:15 12 Mar 24
Rob SmithRob Smith
12:33 24 Feb 24
I was at a really low point in my life, had an accident 2 years ago which broke 3 of my teeth and a bridge in between my 2 front top teeth. From that moment I became extremely conscious of going out,socialising and found my self withdrawn and depressed as I didn't know what to do.Then a friend told me about My Implant Dentist. I plucked up the courage and went for my first consultation at Mindarie Quinns dental practice with Dr Zaheer who explained all my options and advised all on 4 top and bottom.Not only Dr Zaheer but all the staff and doctors at both Mindarie and South Perth were amazing and extremely professional and made the whole process seemless.Having the treatment has given me back confidence and enabled me to socalise and do things with my family and friends that I couldn't do before.I would like to thank Dr Zaheer and all the team at My Implant Dentist for everything they have done for me and recommended them to everyone I speak to.I just can't stop smiling!!!
Vicki DatsonVicki Datson
22:00 16 Feb 24
From the lovely girls at the front desk through to the dentist and his off sider I couldn’t be more happy with the treatment and the service provided. So incredibly satisfied with the end result it’s taken a while but we got there. Thank you so much.
Toby HawkesToby Hawkes
12:19 02 Feb 24
From start to Finnish i felt very comfortable. The whole experience for me was more than just new teeth.For me it was a journey of self discovery that changed my whole life.I found that everyone that I encountered was very professional &friendly &made my experience so pleasant.They deserve more than 5 stars.Thank you so much🥰
Selina HansonSelina Hanson
09:19 01 Feb 24
My experience with My Implant Dentist has been excellent from start to finish. The staff at the front desk were incredibly kind and helpful. The medical treatments throughout were professional and pain free. I would definitely recommend them to anyone considering this service
08:14 30 Jan 24
So grateful to have found this place. I needed a wisdom tooth out. They were able to x-ray and fit me in promptly. Extremely high quality and professional service at an affordable price! I feel lucky to have found an honest and helpful Dentist especially in today's economy. Lovely staff all round. I will be coming here from now on.Thanks again :)
Catalina Te MaroCatalina Te Maro
12:02 21 Nov 23
From the moment I walked in the door My Implant dentist were very caring and professional. As a dental nurse myself I knew I would be a very hard case as other specialists said they could not help me. After my first consultation with Dr Kent he was confident that he could help me and I was provided with a clear plan for my top and bottom all on four procedure. My new teeth are perfect and so natural looking. He has made the impossible possible for me. I can smile and eat the foods I love again and this has changed my life. Thank you so much to all staff and especially Dr Kent Tan who I can say is the best implant dentist in Perth.
Bec SmithBec Smith
11:30 14 Aug 23
I can’t thank the team and dentists at My Implant dentist enough! From the girls working the front desk to the dental nurses assisting the dentist’s, Dr Kent Tan and Dr Ealin. I had the All on four implants and I can’t explain how much this has transformed my life in such a great way.I will always be thankful to be able to have this treatment!Thank you from the bottom of my heart.
Adam ByersAdam Byers
02:39 20 Feb 24
Great service and very professional both admin and Dentists
Mussie KirosMussie Kiros
23:09 12 Feb 24
My implant Dentist Mooorooka is an amazing team. The receptionist staff are very welcoming and super lovely to talk to. The dentists are very experienced and knowledgeable. The assistants are very lovely. The service 10/10. Highly recommend!
moonira Bassamoonira Bassa
03:55 25 Nov 23
Dr Zaheer is an amazing dentist, very knowledgeable and very detailed. He’s an amazing dentist. Definitely recommend My Implant Dentist Brisbane
Yacoob BassaYacoob Bassa
03:42 25 Nov 23
Dr Zaheer is an excellent dentist, very experienced and very detailed. Highly recommend My Implant Dentist Brisbane
solomon issaksolomon issak
00:27 18 Nov 23
The receptionist team have been very helpful, helped me organise early super release for my implant treatment. Dr Zaheer is an amazing implant dentist, discussed with me on what type of surgery I needed and have also treated the surgery on me. Dr Reza is very kind. The dental assistants are very friendly. Highly recommend My Implant Dentist Brisbane
Tan Binh NgoTan Binh Ngo
02:59 31 Oct 23
I picked up”Moorooka Dental Care” contact details from the web. I rang for a few questions and the happy voice of Frances had calmed my anxiety down quickly!Dr Kadwa greeted me from the front bench, took me in for the X-ray, dental assessment, carefully explaining the procedure, answered my questions and quoted for the works. He offered to breakdown work items to suit with my needs. The quote was surprisingly very compatible with my previous quote from overseas. (I know I am going to have my dental treatment in the safe zone, most medical advances in Australia).The implant work went smoothly, so smooth that the team had to remind me “Done!”, well beyond my imagination.When he saw me off with the aftercare instructions, I could feel his professional manners with caring characters. I know he has done a few thousand implants but I still received the care of his first. Thanks Zaheer!I requested X-ray images, Fatimatu responded promptly with friendly chatting.I also would like to thank Dr Linh Trần who was in the operation team at the treatment and follow up cares.
Melrey LudivicoMelrey Ludivico
05:10 26 Oct 23
My implant dentist brisbane 5/5. Dr Linh, Dr Zaheer and Dr Reza have been amazing and have looked after me in my procedures. Frances the receptionist was the first person to contact me to get me to come in since I have been looking around. Excellent service and friendly staff
Matthew WinkelmannMatthew Winkelmann
22:33 17 Oct 23
Moorooka dental have been a pleasure to deal with. I did a bit of research into dental implants and most companies had hidden fees. I booked a consult and was contacted within a few hrs to get me in and get the ball rolling. I choose to go with he implants using my super. They helped me to do all the paperwork to release the money. Definitely a good dental clinic.

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