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If you're facing significant dental issues but find the costs challenging, accessing your superannuation early could provide the financial relief you need. Under the Australian Taxation Office’s (ATO) compassionate grounds provisions, eligible patients can use their super to fund essential dental treatments. Skye Dental simplifies this process, ensuring clarity and ease every step of the way.
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You can access your superannuation for essential dental treatments such as dental implants, dentures, crowns, bridges, and significant restorative procedures. Cosmetic procedures are typically not eligible unless they're necessary to relieve substantial pain or restore essential oral function.
Skye Dental is rated 5 out of 5, based
on 230+ Certified Google Reviews
To be eligible, you must be an Australian or New Zealand citizen or permanent resident experiencing chronic or acute dental pain or other significant oral health issues. The treatment must be medically necessary, and you need certification from your dentist and a medical practitioner confirming your situation and treatment requirements. You must also demonstrate you lack sufficient savings or insurance coverage for the required treatment.
The application process is straightforward with Skye Dental's support. After your initial consultation, we provide you with a detailed treatment plan and cost estimate. Next, we'll assist you in obtaining the required medical and dental documentation. You'll then submit your application via the ATO's MyGov portal. Once approved, the super funds are released directly to Skye Dental to cover your treatment.
Our experienced team guides you seamlessly through each stage—from preparing essential documentation to liaising with the ATO and your superannuation fund. We ensure the application process is smooth and stress-free, allowing you to focus on improving your oral health.
Accessing your super early can affect your retirement balance, so we recommend discussing your options with a financial advisor to make the best decision for your circumstances.
This can be a lengthy process. There is a lot of going back and forward with the request of additional documentation. At Skye Dental we take a lot of the headache and back and forth away by helping assist you with this. By utilising our services, we ensure everything is done thoroughly and comprehensively to minimise your time waiting to access.
Generally no, unless the cosmetic procedure is necessary to relieve severe pain or restore essential dental function, supported by medical documentation.
Possibly, if you paid using borrowed funds (such as a loan or credit) specifically for essential dental treatments. You'll need evidence to support your claim.
There is no fixed limit. The amount released by the ATO will depend on the specific treatment costs and available balance in your superannuation fund.
Yes, accessing your super early will reduce your retirement balance. It's important to seek personalised financial advice before proceeding.
Skye Dental is rated 5 out of 5, based
on 230+ Certified Google Reviews
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