The cost of major dental treatment can sometimes be significant. In limited circumstances, eligible individuals may apply to access part of their superannuation early to assist with the cost of clinically necessary dental treatment.
Applications for Compassionate Release of Superannuation are assessed under Australian Government legislation and are considered on an individual basis. Approval is not automatic and depends on whether the relevant eligibility criteria have been met.
This guide explains the types of dental treatment that may be considered, the supporting documentation generally required, and what to expect during the application process.
What Is Compassionate Release of Superannuation?
Compassionate Release of Superannuation allows eligible individuals to apply for early access to part of their superannuation in certain circumstances specified under Australian Government legislation.
Applications relating to dental treatment are assessed by the relevant government authority and are considered based on the supporting clinical information and legislative eligibility requirements.
Approval is not determined by the dental practice.
When Might Dental Treatment Be Considered?
Not all dental treatment is eligible for Compassionate Release of Superannuation.
Applications generally relate to treatment that is considered clinically necessary rather than primarily cosmetic.
Whether treatment satisfies the eligibility requirements depends on the individual circumstances and the applicable legislation.
Types of Dental Treatment That May Be Considered
The following treatments may form part of an application where they are clinically indicated and supported by appropriate documentation.
Dental Implants
Dental implants may be included where they form part of a clinically necessary treatment plan to replace missing teeth.
Whether implant treatment is appropriate depends on factors such as the patient’s oral health, bone support, medical history, and treatment needs.
Oral Surgery
Oral surgical procedures that may form part of a treatment plan include:
- Surgical tooth removal
- Management of impacted teeth
- Other oral surgical procedures where clinically indicated
Treatment recommendations vary according to each patient’s clinical circumstances.
Major Restorative Treatment
Where extensive tooth damage is present, treatment plans may include restorative procedures such as:
- Crowns
- Bridges
- Multiple restorations
- Rehabilitation of heavily restored teeth
The proposed treatment will depend on the findings of the clinical examination.
Orthodontic Treatment
In limited circumstances, orthodontic treatment may form part of a broader treatment plan where it is considered clinically necessary.
Whether orthodontic treatment satisfies the eligibility requirements is assessed on an individual basis.
Periodontal Treatment
Management of gum disease may include treatment such as:
- Scaling and root planing
- Periodontal surgery where clinically indicated
- Ongoing periodontal maintenance
The recommended treatment depends on the severity of the condition.
Root Canal Treatment
Root canal treatment may be recommended where the dental pulp has been affected by infection or inflammation and the tooth is considered suitable for preservation.
Alternative treatment options may also be discussed depending on the clinical findings.
Supporting Documentation
Applications commonly require supporting clinical documentation.
This may include:
- A written treatment plan
- An estimate of treatment costs
- Clinical reports where required
- Additional documentation requested by the relevant authority
Documentation requirements vary depending on the application.
General Application Process
The process typically involves:
- Clinical assessment by your dentist.
- Preparation of the treatment plan and supporting documentation.
- Submission of the application by the patient.
- Assessment by the relevant government authority.
- Notification of the outcome.
The dental practice provides clinical documentation where appropriate but does not determine whether an application is approved.
Important Considerations
Accessing superannuation before retirement may reduce your retirement savings.
It may also affect:
- Retirement income
- Insurance held within your superannuation
- Other financial circumstances depending on your individual situation
You may wish to obtain independent financial advice before deciding whether to apply.
Discussing Your Treatment Options
If you require major dental treatment, Dentist Near Me Toongabbie can assess your oral health, discuss the recommended treatment, and provide the clinical documentation required where appropriate.
Call (02) 7905 0814 or book a consultation online.
Frequently Asked Questions
What is Compassionate Release of Superannuation?
Compassionate Release of Superannuation is an Australian Government process that allows eligible individuals to apply for early access to part of their superannuation in limited circumstances specified by legislation.
Which dental treatments may be considered?
Depending on the individual circumstances, treatment plans may include dental implants, oral surgery, restorative treatment, periodontal treatment, root canal treatment, or other clinically necessary dental procedures.
Are cosmetic dental procedures eligible?
Applications generally relate to treatment that is clinically necessary rather than treatment undertaken primarily for cosmetic purposes.
Who decides whether my application is approved?
Applications are assessed by the relevant government authority in accordance with legislative requirements. Approval is not determined by your dentist.
What documentation is usually required?
Applications commonly require a treatment plan, estimate of treatment costs, and supporting clinical information. Additional documentation may be requested depending on the application.
How do I apply?
Applications are submitted by the patient through the relevant Australian Government process after obtaining the required supporting documentation.
Will accessing my super affect my retirement savings?
Yes. Accessing superannuation before retirement reduces your available super balance and may affect other financial arrangements, including insurance held within your superannuation.
Can Dentist Near Me Toongabbie help?
Your dentist can assess your oral health, discuss appropriate treatment options, and prepare the clinical documentation required where appropriate. The practice cannot determine eligibility or approve applications.