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How To Apply For Early Release Of Super For Dentistry?

Key Takeaways:
  • You must demonstrate financial need to access your Super early.
  • A registered medical or dental practitioner must provide a report showing that the dental work is medically necessary.
  • The timeframe for getting approved and receiving your Super varies as per your circumstances.

Your oral health is paramount to your overall well-being. However, maintaining good dental health can get quite expensive, especially when left to deteriorate. This is where Super comes in.

Superannuation is one way to obtain funds for dental treatment in Australia. As long as you are eligible and follow the right steps to apply, you can get your Super released early for your dental expenses.

Continue reading as this article will guide you through the process of applying for your Super in a way that increases your chances of getting approved and receiving the funds just in time for your treatment.

How To Apply For Early Release Of Super For Dentistry?

Eligibility Criteria for Early Release of Superannuation for Dental Work

Let us start by looking at the requirements for getting your Superannuation early release.  

Age and Income Criteria for Early Release of Super for Dental Work

To be eligible for Superannuation, you must meet a certain minimum age requirement, which is 60 years if you are retired. And between the ages of 55 and 60 if you have reached your preservation age and have retired. However, if you need your Super released early, there is a minimum age requirement of 18 years.

This means that if you are under 18, you cannot access your Super for dental work. This age requirement is in place to ensure that individuals do not exhaust their retirement savings before reaching adulthood.

Additionally, some income thresholds must be met for the early release of Super to ensure that those with actual financial needs can cover their dental treatment expenses. This threshold varies depending on your circumstances.

If you are receiving government income support payments, you may be eligible for Super provided you can show that you are experiencing financial hardship. 

Even if you are not receiving government assistance, you may still be eligible to have your Super released early. 

Medical Evidence and Treatment Plans for Early Release of Super for Dental Work

You will need to provide medical evidence that shows the treatment is medically necessary. This evidence should outline the nature of the dental condition, the proposed treatment, and the expected outcomes. And it should be provided by a qualified and registered medical practitioner or dentist.

Note that the medical evidence must be current and dated within the last 6 months; otherwise, your application for an early release of your Superannuation fund may be rejected. This is because the outdated document may be deemed invalid.

Your Super can cover a wide range of dental treatments. In some cases, cosmetic dental treatments may be excluded from Superannuation.

Check with your Superannuation fund to determine which dental treatments their early release can cover.

Supporting Documents Required for Early Release of Super for Dental Work

You will need some documents to verify your eligibility for an early release of your Superannuation for dental work. Below are some of the key documents required when making your application

  • Superannuation fund statement: You will need to provide a statement from your Superannuation fund showing your balance in the account.
  • Identification documents: You should provide documents as a means of identification such as a passport or driver’s licence.
  • Medical evidence: As stated earlier, you need to provide medical evidence written by a licensed medical and dental practitioner showing your current dental health status.
  • Treatment plan: You will need to provide a treatment plan showing the outline of the treatment and its expected outcome.
  • Early release of Superannuation application: You will need to fill out the form for the Superannuation fund application and attach it. It will outline your personal and financial details as well as details of the dental treatment required

Rest Super Early Release for Dental Work

Rest Super is a popular Superannuation fund in Australia, and they offer early release to members for medical reasons, including dental work. To be eligible for Rest Super early release:

  • You must be a Rest Super Member.
  • You must have a dental condition that requires medical treatment.
  • You must have exhausted all other options for payment such as government assistance or private insurance.
  • You must have no other means of payment available.

Applying For Early Release Rest Super

If you meet the eligibility criteria above, this is how to apply for Rest Super:

  • Obtain the necessary documents
  • Submit your application
  • Await approval and receive your payment (it usually takes 10 business days).

Important Considerations When Using Rest Super Early Release for Dental Work

Rest Super can be quite helpful for individuals, but there are some considerations to take into account before sending in your application.

  • Early release of Super can greatly impact your retirement savings so you must consider whether it is the best option for you.
  • Rest Super will only approve the amount needed for the dental treatment up to a maximum of $10,000. If the cost of treatment is higher, you will need to find an alternative means of payment.
  • You may be required to pay a fee for Rest Super early release, which will be deducted from the approved amount.

Applying for Early Release of Super for Dental Work in Perth

You should first confirm that your Super allows you to access your Super funds earlier. Some may not permit early release for dental work or may have specific criteria that must be met.

Tips for Applying for Early Release of Super for Dental Work in Perth 

  • Provide detailed information about your dental condition and how it affects your life as this can help your case.
  • Provide an estimated cost of your treatment including any pre or post-operative care that may be necessary.
  • Gather all the necessary and supporting documentation such as a dental report to support your case.
  • Consider seeking assistance from a financial advisor or professional for clarification on whether or not you meet the eligibility criteria.

FAQs

What dental treatments are covered under the early release of Super?

Early release of Superannuation funds can cover a variety of dental treatments, including dental implants, surgery, and general dental procedures.

How long does the early release of the Super application process take?

The application process for early release of Super varies according to your Superannuation funds and circumstances. It can take several weeks to be approved before you receive the funds.

Will the early release of Super affect my future retirement benefits?

Yes, applying for an early release of your Superannuation funds can affect your future retirement benefits.

How many times can I apply for an early release of Super for Dental Work?

There is no set limit to how many times you can apply for early release of your Super for dental treatment. However, the applications will be assessed on a case-by-case basis.

Conclusion

Superannuation funds are a sure way to cover the high cost of your dental treatment when you have no other means to do so. Luckily, many Superannuation funds in Australia offer early release for dental work as long as you meet the eligibility criteria.

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
SherrySherry
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.
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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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