Answers
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Everything you need to know about using your super for dental treatment – no jargon, just clear answers.
Frequently Asked Questions
Can I access my super to pay for dental work?
Yes — if the dental treatment is considered necessary to treat a life-threatening condition, alleviate acute or chronic pain, or alleviate an acute or chronic mental condition, you may be eligible to access your super on compassionate grounds
What types of dental treatment qualify under compassionate grounds?
Treatments like implants, crowns, oral surgery, extractions, root canals, and reconstructive work may qualify — as long as they are medically necessary and meet the ATO criteria.
Does cosmetic dentistry (e.g. veneers, teeth whitening) qualify?
No — purely cosmetic procedures are not eligible. However, if the treatment has a medical purpose (e.g. restoring function after trauma), it may qualify.
Can I use my super to cover my child's or partner's dental expenses?
Yes — you can apply to release your super for a dependent’s dental treatment. You must provide evidence of your relationship and their condition.
What documents do I need to provide to show that the dental treatment is necessary?
- A detailed quote or invoice from the dental clinic
- A report from the dentist outlining the condition and treatment
- A letter from a registered medical practitioner (GP) stating why the treatment is necessary on medical grounds.
How long does the process take from start to finish?
Once your paperwork is ready, the ATO assessment can take up to 14 days to process. We help you avoid delays by getting it right the first time. Super fund release can take between 5 - 10 business days after receiving approval.
What happens after the ATO approves my application?
You’ll receive an approval letter. We must then submit this to your super fund, which will release the funds to your account.
What if my application is denied?
We work hard to ensure your application is strong before submission. If your case is declined, we’ll help you understand why — and advise you on next steps.
What if my super fund refuses to release the money after ATO approval?
Your fund can legally refuse the release, especially if your fund's rules don’t allow early access. Check your fund’s policies before applying.
What does Super Smile actually do?
We help you legally access your Super to cover urgent dental treatment by guiding you through the entire process— from checking your eligibility and arranging a medical consultation, to preparing your ATO application and supporting you every step of the way until your funds are released.
Is it expensive to use your service?
Our eligibility check is completely free. We offer transparent, fair pricing for full application support — with no hidden fees.
How much can I access from my super for dental treatment?
Only the amount required to cover the approved treatment, based on the quote. You cannot access more than you need.
Does the super get paid directly to the dental clinic or to me?
Once approved by the ATO, your super fund will release the funds to you, and it's your responsibility to pay the clinic.
Will I be taxed on the money I withdraw for dental treatment?
Yes — early super withdrawals are taxed. The rate depends on your age and circumstances (usually 17% or your marginal tax rate).
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