Fixed Teeth Australia sends your details to SuperCare.
Did you know that, in certain circumstances, the Australian Taxation Office (ATO) may allow early access to superannuation to pay for necessary dental treatment?
It’s called Compassionate Release of Superannuation (CRS), and it’s available only when specific eligibility requirements are met.
At Fixed Teeth Australia, we can explain your full mouth dental implant treatment options and provide information about the CRS process, including access to independent application assistance through our partner, SuperCare.
The ATO administers a program that allows eligible Australians to apply for early access to their superannuation to cover certain medical expenses, including qualifying dental treatment.
Approval depends on your individual circumstances, the clinical need for treatment and the ATO’s eligibility requirements.
Importantly, CRS isn’t a dental payment plan, and choosing to have full mouth dental implants doesn’t automatically mean you’re eligible.
It starts with your individual dental health needs.
For medical treatment, the ATO considers applications involving circumstances such as treatment needed to alleviate acute or chronic pain or address a life-threatening illness or injury.
For example, a person experiencing ongoing dental pain associated with serious dental disease may wish to explore whether they meet the requirements.
The ATO also considers factors including whether the treatment is readily available through the public health system and whether the applicant has other means to pay.
Cosmetic or purely elective dental treatment does not qualify simply because it is expensive.
A clinical assessment is required to understand your dental condition and the treatment options that may be appropriate. The ATO makes the separate decision about CRS eligibility.
Helping you understand the application process.
Applying for Compassionate Release of Superannuation can involve medical reports, treatment quotations and supporting documentation.
That’s where our independent partner, SuperCare, may be able to assist.
If you’d like help understanding the application process, we can introduce you to SuperCare, who can explain their services and assist with the documentation and administrative steps involved.
Fixed Teeth Australia provides the relevant dental treatment information and clinical documentation where appropriate. SuperCare provides separate application assistance.
The choice is always yours. You can also apply directly to the ATO without using a third-party service.
SuperCare cannot guarantee approval, and the ATO independently assesses every application. Ask SuperCare about any applicable service fees before deciding whether to use its assistance.
A step-by-step look at what happens next.
If you choose to explore CRS with assistance from SuperCare, the process generally involves an introduction, an initial discussion about the application requirements, gathering the necessary documents and submitting an application for ATO assessment.
Fixed Teeth Australia can provide your treatment plan, itemised quotation and appropriate clinical documentation following assessment.
SuperCare may assist with the administrative steps, while the ATO determines whether an application meets the eligibility criteria.
If approved:
Approval is not guaranteed. If an application is approved, the relevant superannuation fund processes the permitted release subject to its requirements.
Application guidance
Understand the ATO application process and what’s involved.
Help with paperwork
Assistance organising the documents required for your application.
Family applications
Information about applying for eligible treatment expenses for yourself or a dependant.
Working with your dental team
Coordination with FTA to obtain relevant treatment quotations and clinical documents.
Questions answered
A dedicated point of contact to explain the administrative steps and what happens next.
Independent ATO assessment
Understand how the ATO assesses applications and what happens following a decision.
Understanding the paperwork before you begin.
An application generally requires supporting evidence that explains why the proposed treatment is necessary and what it is expected to cost.
Depending on your circumstances and the current ATO requirements, documentation may include:
For medical treatment applications, the ATO generally requires two separate medical reports meeting its prescribed requirements, including a report from a relevant specialist.
Our clinical team can provide appropriate dental records and treatment documentation. The required independent medical evidence must be provided by suitably qualified practitioners.
Allow time for assessment and documentation.
There isn’t one fixed timeframe for every CRS application.
The time required depends on obtaining the necessary reports, preparing and submitting the application, ATO processing and, if approved, the superannuation fund’s release process.
Missing information or requests for additional evidence can extend the timeframe.
SuperCare can explain the application stages and help you understand what documentation may be required. However, neither SuperCare nor Fixed Teeth Australia controls the ATO’s assessment timeframe or decision.
It's important to understand the bigger picture.
Superannuation is designed to support you financially in retirement, so accessing it early is a significant decision.
Even when early access is approved, withdrawing funds may reduce your retirement savings and the amount available to grow over time.
Tax may also apply, depending on your age, the components of your superannuation and your individual circumstances. Early withdrawal may have other financial implications, including for insurance held through your super fund.
We recommend seeking independent financial advice before deciding whether accessing Super is appropriate for you.
Understanding your options helps you make an informed choice.
Early access to superannuation is just one possible funding pathway, and it’s not available to everyone.
Depending on your circumstances, other options may include personal savings, applicable private health insurance benefits or payment plans offered through independent finance providers.
Payment plans are subject to the relevant provider’s eligibility requirements, terms and approval.
Our team can explain the cost of your proposed full mouth dental implant treatment and provide general information about the available payment arrangements, so you can consider your options.
At Fixed Teeth Australia, our team can explain the treatment process, discuss what may be suitable for your individual dental needs and answer questions about costs and payment arrangements.
If you’d like information about Compassionate Release of Superannuation, we can also explain where to find the official ATO guidance and how our independent partner, SuperCare, may be able to assist.
Our treatments are completed under general anaesthetic, which means you’re asleep throughout your procedure.
Fixed Teeth Australia would like to acknowledge the traditional owners of the many lands our healing clinics are located on, as well as the lands our patients are connected to. We pay our respects to Elders past and present.
Accessing your superannuation early may have tax implications and could affect your retirement savings. We recommend seek-ing independent financial advice to understand what’s appropriate for your individual circumstances.
*Clinical evidence reference: Malo P, de Araújo Nobre M, Lopes A, Moss SM, Molina GJ. A longitudinal study of the survival of All-on-4® implants in the mandible with up to 10 years of follow-up. J Am Dent Assoc. 2011;142(3):310–320.
Published long-term clinical research relating to full arch dental implant treatment has reported implant retention rates of approximately 98% in the mandible over a 10-year period. Individual treatment outcomes vary. Suitability for treatment can only be determined following a clinical assessment.
Any surgical or invasive procedure carries risks. Before proceeding, you should seek a second opinion from an appropriately qualified health practitioner.
This content is provided for general information only and does not constitute medical or dental advice. Treatment suitability and outcomes vary between individuals. A personalised assessment with a qualified dental practitioner is required to determine what treatment, if any, may be suitable for you.
All images and videos are shared with our patients consent.
**Warranty coverage applies to specified treatment components only and is subject to compliance with Fixed Teeth Australia’s prescribed maintenance program and applicable warranty terms and conditions.
Warranty eligibility, coverage periods, exclusions and maintenance requirements are outlined in the warranty documentation provided to patients. Individual circumstances may affect warranty eligibility.
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