Accessing super for dental work is a compassionate financing option that the ATO offers for essential dental care. Depending on eligibility, the Compassionate Release of Superannuation (CRS) scheme may be able to fund root canal treatment, dental implants, oral surgery, restorative treatment, replacement of missing teeth, and more.
The ATO’s CRS scheme allows people to apply to use a portion of their superannuation to cover dental procedures that are necessary for health or quality of life.
The CRS scheme lets qualifying patients access super for dental work. This scheme applies only to treatment that is considered essential, and the patient must demonstrate that they are unable to afford the treatment without the scheme.
A number of dental treatments may qualify when using super for dental work. These could include, but are not limited to:
To learn more about whether you may be able to access your super for dental work, contact us for a booking.
Below are a number of dental treatments that may be eligible under the accessing super for dental work scheme:
Dental implants are one of the treatments considered by the ATO for the scheme. These are often used as a replacement for missing teeth.
If you require the rebuilding and restoration of all teeth, you may be able to access your super for the dental work.
Be Dental can provide wisdom teeth removal and other oral surgeries to those that are eligible through the CRS scheme.
Crowns and bridges are used to improve the shape, strength, and appearance of teeth. Those that are considered essential dental work may be eligible under the CRS.
If left untreated, abscesses and infections can lead to serious problems. Treatment for these issues is covered under the CRS for eligible patients.
Untreated gum disease can lead to complications such as rotting teeth. As such, it’s important to address gum disease as quickly as possible.
Root canals are typically recommended when the tooth’s nerves and blood vessels are damaged or infected. In many cases, they’re an important step for saving a tooth.
Dentures and implant-supported dentures may also be covered when accessing your super for dental work.
If you’re experiencing dental pain, you’ll likely want to relieve it as quickly as possible. Fortunately, emergency dental for pain is one of the eligible CRS scheme treatments.
Being unable to comfortably chew or eat is frustrating. Treatment plans that restore normal oral function are often covered under the CRS scheme for eligible patients.
To be eligible for accessing you super for dental work, you’ll need to provide 2 medical reports. This is typically either 2 reports from sepaprate dental practitioners, or a report from a dental practitioner and a report from a registered medical practitioner. Any additional supporting paperwork needed can be completed at the time of consultation. Our experienced Gold Coast dentist team will be happy to answer any questions you may have during your consultation.
To apply to access super for dental work, you’ll need to provide the following:
It’s helpful if you can bring this supporting information to your appointment with us.
It’s important that you consider the potential financial impacts before applying for early access of your super for dental work.
Before applying to access your superannuation, it’s important to understand your options and the potential financial implications. You may wish to seek professional financial advice before making a decision.
Early release of super can effect your long term financial position. We encourage applicants to seek independant finacial advice on the effect of early release of super for their specific financial situation.
Applications for accessing super for dental work are completed by our Gold Coast dental team, in house. If the patient meets eligibility requirements, there is a fee of $500 associated with this service. The treating clinician will discuss this with you and answer any questions you have during your appointment.
Please keep in mind that Be Dental does not make eligibility decisions, these decisions are made by the ATO.
As a dentist with payment plans, we offer a number of alternative payment options for dental treatments. Our clinic has partnered with both Afterpay Plus and Zip Pay. Exact costs will depend on the type of treatment and payment terms. Eligibility criteria and credit approval applies.
Contact us today to book your consultation and speak with our experienced staff about the CRS scheme.
Be Dental is a Gold Coast dentist clinic with a focus on understanding and empathy. Our goal is to be the dentists patients actually look forward to visiting. We can assist with a large array of services, including same day dental crowns, Invisalign treatment, cosmetic dentistry, emergency dental work, and general check-ups.
Have a question about accessing super for dental work? Take a look at the frequently asked questions below:
Depending on the eligiblity criteria, accessing super for dental work may include treatments such as oral surgery (including wisdom tooth removal), dental implants, restorative treatment, root canal treatment, and replacement of missing teeth.
Supporting paperwork will be completed at the time of consultation with our Gold Coast dentist team. You will typically also be required to obtain additional supporting documentation from either a GP or another dental specialist. All requirements will be discussed and explained at the time of consultation.
The exact amount you can access from your super for dental work will depend on a number of factors. Your dental specialists will provide you with a quote for the work, that can then be presented as part of your application.
Once you have applied to access super for dental work, the ATO will assess your eligibility in accordance with the limited grounds for compassionate release of super. The ATO state that this normally occurs within 14 days (28 days for paper applications). Once your application has been assessed, the ATO will then inform you of the outcome by either phone or SMS, along with sending a letter to your mGov Inbox or via post (depending on the option you choose).
