Early Super Release
Helps You Fund Dental Treatments Fast

Access your superannuation early to fund essential dental treatments. At Azure Dental Inglewood, we can assist you with the release of your super, making it easier to prioritise your dental health and treatment needs.
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How Early Super Release Supports Your Dental Treatment Needs

Early superannuation release allows eligible individuals to access their super funds to cover essential dental treatments. This option can help manage significant dental expenses, making it easier to receive timely care. It provides a practical way for those who may otherwise delay treatment due to costs.

By utilising early super release, patients can address dental health concerns without the immediate financial burden. It offers flexibility to afford necessary treatments that promote oral health and well-being.

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Who Can Apply for Early Super Release for Dental Treatments?

To apply for early super release for dental treatments, you must be at least 18 and demonstrate financial hardship. You should also provide medical evidence from a registered dental practitioner confirming the treatment’s necessity. Furthermore, you must have exhausted other payment options, such as private health funds. Only genuine cases can access early super release for dental health needs.

Frequently Asked Questions

Learn how early super access can ease the financial burden of necessary dental treatments and what you need to qualify.

Yes, you can apply for Early Super Release even if you have accessed it before. Each application is assessed individually based on your current circumstances and financial hardship. However, you must meet the eligibility criteria again, including:

  • Demonstrating ongoing financial need:
    You must show that you are experiencing financial hardship.
  • Providing necessary medical documentation:
    A registered dental practitioner must confirm that the dental treatment is essential.
  • Meeting age requirements:
    Applicants must be at least 18 years old.

There is no strict limit on the number of times you can apply. However, each case will be evaluated on its merits.

To apply for Early Super Release for dental treatments, follow these steps:

  1. Determine Eligibility:
    You should meet the eligibility criteria, which generally include:
    • Having insufficient dental health fund cover
    • Experiencing financial hardship
    • Requiring essential dental treatment
  2. Consult a Registered Practitioner:
    Obtain a medical report from a qualified dentist that outlines your dental condition and the necessity of the treatment. This report must be dated within the last six months.
  3. Gather Documentation:
    Collect all necessary documents, including:
    • An itemised quote for the dental treatment.
    • The medical report detailing your condition and proposed treatment.
    • Any additional supporting documents required by your superannuation fund.
  4. Complete the Application:
    There are two ways to apply:
    • Online:
      Visit the Australian Taxation Office (ATO) website. Fill out the Early Release of Superannuation online application and upload your documents.
    • Paper:
      Alternatively, you can apply using a paper form, which can be requested directly from the ATO.
  5. Await Approval:
    The ATO will evaluate your application and notify you of their decision via your myGov inbox or post. If approved, you will receive an approval letter that you need to present to your super fund to access the funds.
  6. Follow Up with Your Super Fund:
    After receiving ATO approval, you must contact your super fund to arrange for the release of the funds. Provide them with the necessary documentation issued by the ATO.

The approval time for an Early Super Release application can vary based on how it is submitted. Generally, the Australian Taxation Office (ATO) takes up to 14 days to process online applications and up to 28 days for paper applications.

Once the ATO approves your application, they send it to your super fund, which processes the payment within five business days. However, this timeframe may be extended if there are issues, such as fraud concerns or verification needs.

The amount of superannuation you can access for dental procedures depends on your circumstances and supporting documentation. The Australian Taxation Office (ATO) reviews each application individually, considering the cost of the required treatment. To justify the requested amount, applicants must provide quotes from dental providers along with medical evidence.

Furthermore, there is no set limit on how much can be accessed through early super release for dental care. The ATO decides the appropriate amount based on the necessity, cost, and supporting documents. The released funds are intended to cover essential expenses so that only necessary procedures are funded.

Yes, it is possible to use your superannuation to fund dental veneers, but certain criteria must be met. Generally, accessing super for dental procedures falls under compassionate grounds, requiring treatment to alleviate pain or address significant dental issues. However, cosmetic procedures like veneers are usually excluded unless they are part of a broader treatment plan that meets these criteria.

Here are key considerations:

  • Eligibility Requirements:
    You must demonstrate that the veneers are necessary to address a dental condition causing chronic pain or affecting overall health. A medical certificate from a registered practitioner is usually required to support your application.
  • Application Process:
    To access your superannuation for veneers, you will need to submit an application to the Australian Taxation Office (ATO). This involves providing documentation that outlines the necessity of the treatment.
  • Funding Amount:
    You may be able to access the full cost of the dental veneers through your superannuation. This depends on your super balance and the specifics of your case. However, purely cosmetic procedures may not qualify unless justified by a medical need.
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