What Is a Super Fund?
A superannuation fund (or “super”) is a savings plan that helps you prepare for retirement. It grows over time through investments like shares, property, and savings, often with tax benefits to help your money go further.
While super is mainly for retirement, in certain situations, you may be able to access some of it early — including for medical or dental care.
Many people use their super fund to cover dental surgery costs for themselves or their families. The super fund offers an excellent option for unexpected expenses, providing relief during tough times.
How can I use my superannuation to cover dental expenses?
In some cases, you can apply to access your super early through the Early Release of Super (ERS) program, managed by the Australian Taxation Office (ATO). This is often done on compassionate grounds, such as when dental treatment is urgently needed but you’re unable to afford it.
People commonly use this option to help cover:
- Full-mouth dental implants
- Single implants
- Complex dental surgeries
- Treatment for family members (in some cases)
What is the process for using my super for dental treatment?
You won’t have to navigate it alone. We’ll help with each step to keep things smooth, supportive and easy to understand.
Check Your Eligibility
You may be able to access your super early on compassionate grounds or due to financial hardship. We’ll help you understand if you qualify.
Get a Treatment Plan
Our dental team will provide a detailed treatment plan and a letter explaining the medical need for the procedure.
Gather Supporting Documents
This includes medical reports and any financial documents required by the ATO.
Submit Your Application to the ATO
You’ll apply for Early Release of Super through the ATO’s online portal, attaching all the required documents.
Wait for Approval
The ATO will review your application and notify you if it’s approved.
Receive Funds & Begin Treatment
Once approved, the super fund releases the payment. As soon as funds are received, we can schedule your treatment.
Comprehensive support from start to finish
We understand this process can feel complicated, so our friendly team is here to help.
From explaining what’s involved to assisting with paperwork, we’ll support you through every step of using your super for dental implants.
Whether you’re just starting to explore your options or you’re ready to begin the process, we’re here.
- We’ll answer your questions honestly
- Help you understand your eligibility or other payment options
- And guide you through every step — with care, clarity and compassion
Book a free, no-obligation consultation to get started. We’ll provide a personalised treatment plan, cost breakdown and help you take the next step.
Super Fund FAQ’S
Who Benefits from This Payment Option?
Using your superannuation for dental care can be a helpful solution if you don’t have private health insurance or are finding it hard to cover treatment costs. It’s especially supportive for individuals or families facing financial challenges. In some cases, family members’ super funds can also be accessed to help cover a loved one’s dental needs.
Can I use my superannuation to pay for dental implants?
Yes, in many cases you can. Full mouth dental implants are often eligible under compassionate grounds through the Superannuation Industry (Supervision) Act. At FoX Implant Centres, we partner with SuperCare to guide you through the application process, making it as smooth and stress-free as possible.
Who is eligible to use superannuation for dental procedures like implants?
Eligibility depends on your personal situation. You may qualify under compassionate grounds if the treatment is necessary to relieve chronic pain or improve quality of life. We can help assess your situation and guide you through the next steps, with no pressure or obligation.
Will using my super for dental implants affect my retirement savings?
Accessing your super early can reduce your retirement balance, so it’s important to weigh the benefits carefully. Many people choose this option when the treatment is essential for their wellbeing. We’re here to talk through your options so you can make an informed decision that feels right for you.
Do I need a letter from a dentist to use my super for implants?
Yes, you’ll need supporting documentation, including a letter from your dentist outlining why the treatment is medically necessary. Our team will help you gather everything required and ensure your application meets the ATO’s requirements, so you feel supported at every step.
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