Your Super, Your Dental Health
Access Dental Treatment with SuperCare Support
Understanding SuperCare’s Role in Early Super Access
Take the First Step Towards a Healthier Smile
Are you ready to prioritise your oral health? Book a consultation with our friendly team to discuss your needs and explore suitable treatment options.
Helping Bunbury Patients Manage Dental Care Expenses
Applying Through SuperCare: The Process
Patient Referral
Eligibility Consultation
Application Commencement
Application Submission
Approval and Fund Release
SuperCare Eligibility Requirements
Frequently Asked Questions
Can I use my super to pay for dental treatment in Bunbury?
Yes, you can apply for early access to your superannuation to fund dental treatment under certain conditions. You must meet the eligibility criteria set by the Australian Taxation Office for the release of superannuation. Here’s what you need to know:
- The ATO Governs Early Release:
You can apply to the ATO for early access to your superannuation on compassionate grounds for dental treatment. The treatment must be considered medically necessary, such as procedures to relieve chronic pain or restore essential function. - Treatment Must Be Considered Medically Necessary:
The ATO requires dental treatment to be essential for your health and not for cosmetic purposes. You must provide supporting documents from registered dental professionals when applying for early access to your superannuation. - SuperCare Can Guide You Through the Process:
SuperCare is a private company that helps patients prepare and submit early access applications for superannuation. They assist with paperwork but do not control whether the application will be approved. - We Support Patients Considering This Option:
Our team can provide medical documentation to support your early superannuation application. We’ll also explain your treatment plan clearly so you can understand your treatment options and next steps. - Not Everyone Will Be Eligible:
Approval depends on ATO’s criteria, so even with the right paperwork, access to superannuation may not be granted. - There Are Fees Involved with Third-Party Services:
Companies like SuperCare may charge fees for their assistance, so it’s important to consider the costs involved before proceeding.
Managing the cost of dental care can feel overwhelming, especially when treatment is essential and finances are tight. Early access to superannuation may help some people, but it depends on eligibility and government approval. If you’re exploring ways to afford treatment, speak with our team. We’re here to help you understand your choices.
Is SuperCare the same as the government superannuation release?
SuperCare is not part of the government’s early superannuation release program, but it helps patients navigate the application process and the paperwork involved. The final decision about releasing superannuation rests with the Australian Taxation Office (ATO). SuperCare does not influence or promise any specific outcome regarding the approval of your application.
While the government manages the release of funds, SuperCare offers support in preparing and lodging the application. Many patients find the process complex and appreciate having guidance throughout the process. We refer patients to SuperCare as a third-party facilitator. However, our dental clinic has no control over application decisions made by the ATO.
How long does the SuperCare application process take?
If you’re thinking about using SuperCare to access your superannuation, you might wonder how long the process takes. It’s a common question for patients planning dental treatment and looking into this payment option. Here’s what you can expect, based on the typical experience of patients who apply through this process:
- The initial consultation with SuperCare usually takes a few days, depending on your availability. Submitting the paperwork may take longer if you need time to gather the required documents.
- SuperCare lodges your application with the ATO, and the approval process can take up to 10 business days. However, this timeframe may vary depending on your specific situation and any additional documentation that may be required.
- Applications that involve additional medical or supporting documentation may take longer if further clarification is requested.
- Delays may happen if there are issues with your MyGov account or if paperwork is incomplete. Your superannuation fund might also require additional steps, which can extend the application timeframe.
- SuperCare keeps patients informed throughout the process and can guide them if any follow-up is needed.
Eversmile Dental doesn’t control the outcome or timing of SuperCare applications, as approval depends on individual circumstances. Our team will explain the process clearly and provide support at every step to help you feel informed and confident.
What dental procedures does early access to super cover?
If you’re finding it difficult to fund urgent dental work, you might be wondering whether your superannuation could help. Eligible patients can apply to access their superannuation through the Early Release of Super (ERS) program. They may use these funds to help cover the cost of dental procedures deemed medically necessary by their healthcare provider. These procedures may be considered under the ATO’s Compassionate Release of Superannuation program:
- Surgical Extractions:
Patients often apply for early access to superannuation to help cover the cost of removing severely damaged or impacted teeth. This includes wisdom teeth that may be causing pain, infection, or other oral health problems. - Dental Implants:
Tooth loss can impact daily function, including speaking and eating. Dental implants may be considered when they are required to restore oral function and support long-term health. - Crowns and Bridges:
Decayed or broken teeth can affect how you chew and feel each day. Patients may use superannuation to fund restorative care. - Root Canal Treatment:
Root canal treatment is often necessary to address infections or abscesses within the tooth. Early access to superannuation may be sought when urgent care is required to prevent further health complications. - Orthodontic Treatment for Functional Issues:
Cosmetic orthodontic treatment is not eligible for early access to superannuation. However, orthodontic care may be eligible if it addresses bite or jaw issues that impact function or health. - Full or Partial Dentures:
When tooth loss affects comfort or nutrition and alternative treatments are not suitable, superannuation funds may be used to assist with the cost of full or partial dentures that restore basic oral function. - Treatment Under General Anaesthetic:
Some procedures may require a hospital setting due to their complexity or concerns about patient health. The ERS program may help with related surgical or anaesthesia costs.
Eligibility for early access to superannuation depends on your situation and specific treatment needs. The ATO reviews each application and makes the final decision based on its assessment criteria. Our team can help guide you through the process and support your application, but we do not determine outcomes.
What are the risks of using my super for dental care?
Using your superannuation for dental care may ease financial stress in the short term. However, it’s important to understand the risks first. Below are key considerations to be aware of when accessing your superannuation early for dental care:
- Reduced Retirement Savings:
Accessing your superannuation now means you’ll have less money available when you retire. Superannuation is designed to support you in retirement, and withdrawing funds early can impact your future financial security. - Loss of Compounding Growth:
Taking money out early interrupts the compounding interest that helps your superannuation grow over time. Even small withdrawals today could significantly affect your future balance due to missed investment returns. - Application Doesn’t Guarantee Approval:
Applying for early access through SuperCare does not mean your application will be approved. The ATO assesses each application against strict eligibility criteria, and neither the dental clinic nor SuperCare can influence the outcome. - Administrative and Processing Fees:
Additional fees may be incurred for using third-party services, such as SuperCare, to manage the application. It’s important to weigh the convenience against any costs involved in the process. - Limited to Specific Treatments:
Early super access is only available for specific dental procedures considered medically necessary. Cosmetic treatments or general checkups typically do not qualify under ATO guidelines. - Privacy and Data Handling:
You will need to share personal and financial information during the application process. While professional services like SuperCare manage this securely, it’s still a factor to consider when deciding.
Using your superannuation for dental care may help in the short term. Always consider the risks involved and get independent financial advice before making a decision.
Can I use SuperCare to access super for my child’s treatment?
Yes, you may be eligible to apply for early release of your superannuation to cover your child’s essential dental treatment. SuperCare helps eligible individuals navigate the government application process through the ATO’s compassionate release of superannuation program. This includes treatments for dependents, such as children, if specific criteria are met. Approval depends on the ATO’s assessment of your situation and supporting medical documentation.
We regularly support families exploring this funding option for their child’s urgent dental care needs. While we don’t control the outcome, we’re here to guide you through what’s involved in the application. If you choose to use SuperCare, our team can provide the required dental treatment documentation to support your application. Your child’s well-being matters, and we’re committed to making care more accessible.
