Super for Dental Treatment

Yes, it is sometimes possible to pay for your dental treatment with your superannuation. That said, there are rules you'll need to follow, including the ATO's specific eligibility requirements.

If you want to use your super for dental treatment, you'll need to apply through what's called the Compassionate Release of Superannuation scheme. 

Superannuation for dental work involves more than getting a quote and contacting your super fund.

Here's what the process involves.

1. Your Assessment and Itemised Quote

First, book a consultation at our clinic.

Your superannuation dentist at our Canterbury clinic will examine your teeth, take any necessary X-rays and imaging, and then chat with you about your treatment options.

We'll create a written treatment plan and an itemised quote.

2. Checking the ATO Criteria Together

The next step involves seeing whether or not you're eligible.

We'll talk you through the clinical requirements and if your treatment meets them.

We also recommend speaking with a licensed financial adviser or financial counsellor.

3. Preparing Your Supporting Documents

Our team prepares your dental report, treatment plan, and complete quote. We also have an in-house CBCT scanner for detailed 3D imaging where clinically appropriate.

You'll need the required supporting medical reports, too.

Prefer help with the application? Our team can provide in-house administrative support and, if you choose, work with SuperCare, a paid third-party service that manages the application on your behalf.

4. Submitting Your Application

You can submit your application yourself through myGov at no cost. Or, you can arrange for SuperCare to assist.

The ATO reviews your documents and makes the final decision.

Allow several weeks for the process, sometimes even longer depending on your circumstances and super fund.

If you have a dental emergency, do not wait. Reach out and schedule an [emergency dentistry] appointment.

5. Your Funds Are Released and You Can Schedule Treatment

Once the ATO approves your application, it notifies your super fund, which releases the funds to your bank account (less any tax withheld).

You then pay the clinic directly.

Where suitable, we can also arrange staged payments as your funds become available.

Our team can assist with the clinical documents and explain your treatment costs with complete transparency. We can then go through how your appointment with us can be scheduled around available funds.

Dental Reports and Application Support

Looking for a dentist with superannuation application support?

Our team can put together detailed dental reports to go with your application. You can then submit your application on your own or get in contact with SuperCare.

In-House 3D Dental Imaging

We use a CBCT scanner to take images of your teeth and jaw in 3D.

This helps us plan complex treatment and prepare an itemised quote based on your individual needs.

Clear Pricing and Staged Payments

You'll know what your recommended treatment involves and how much it costs before proceeding.

Where suitable, we can also arrange staged payments as your super funds are released.