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Dr Fernandez and Dr Phelan

Accessing Superannuation for Dental Treatments in Australia

by | Oct 1, 2023 | Oral Health

In recent years, dental care has become better understood as an essential aspect of maintaining overall health and well-being. However, the cost of dental treatments can often be a financial burden to many Australians. 

To address this issue, the Australian government has introduced a scheme that allows for early access to your superannuation fund on compassionate grounds.

In this comprehensive guide, we will take a look into how Contemporary Smiles’ patients can access their superannuation fund early to pay for important dental treatments, and how we can assist you in this process.

Understanding Superannuation

Before delving into the details of accessing your superannuation for dental treatments, it’s crucial to have a basic understanding of what superannuation is. Superannuation, or “super” for short, is a long-term savings plan designed to provide financial security for Australians in their retirement years. It is funded by both employees and employers, with contributions made regularly throughout a person’s working life. These contributions accumulate and are invested, with the aim of providing income during retirement.

The Importance of Dental Health

Dental health is an integral part of overall well-being. Poor oral health can lead to a range of issues, from discomfort and pain to more severe health problems. Unfortunately, dental treatments can be expensive, and many people may delay or avoid necessary procedures due to cost constraints.

This is where the Australian government’s compassionate grounds scheme comes into play.

Early Access to Super on Compassionate Grounds

This early access to super on compassionate grounds allows individuals to access their superannuation funds before reaching retirement age in specific circumstances. One such circumstance is for medical and certain dental treatments, which the Australian government now considers a compassionate reason for early access.

How Does It Work?

Eligibility Criteria: To access your superannuation for dental treatments, you must meet certain eligibility criteria. These criteria typically include:

  • Medical Certification: You will need certification from a registered medical or dental practitioner, such as your dentist, stating that the treatment is necessary to improve your health.
  • Proven Financial Hardship: You must demonstrate that you need to access your super from a financial perspective, and that accessing your superannuation is the only way to pay for this necessary dental treatment.

Application Process: Once you meet the eligibility criteria as listed above, Contemporary Smiles can help you to submit an application to the Australian Taxation Office (ATO) for early access to your superannuation on compassionate grounds.

Approval: When your application is approved, the ATO will release the requested amount from your superannuation fund.
It’s important to note that there may be taxes and fees associated with this early withdrawal, and these should be considered when planning for your dental treatment.

Teeth-On-4 Fixed Hybrid Bridge
Contemporary Smiles can help you to submit an application to the Australian Taxation Office (ATO) for early access to your superannuation

Contemporary Smiles – Your Dental Care Partner

Now that you understand the process of accessing your superannuation for dental treatments. Let’s take a closer look at how Contemporary Smiles can assist you throughout this journey.

Comprehensive Dental Services: Contemporary Smiles offers a wide range of dental services to cater to your specific needs. Whether you require a routine check-up, orthodontic treatment, or oral surgery, our team of experienced professionals are here to help.

Experienced Professionals: The key to any successful dental treatment is the expertise of the professionals involved. Contemporary Smiles boasts a team of highly qualified dentists and specialists who are dedicated to providing top-notch care to their patients in a modern and purpose-built dental facility right here in The Illawarra.

Assistance with Documentation: One of the critical aspects of accessing your superannuation for dental treatments is obtaining the necessary medical certification. Contemporary Smiles can assist you in this process by providing a thorough evaluation of your dental condition and issuing the required certification.

Financial Guidance: Understanding the financial aspects of accessing your superannuation is crucial. The team at Contemporary Smiles can provide guidance on estimating the cost of your dental treatment. Helping you navigate the associated taxes and fees when accessing your superannuation.

Compassionate Care: At Contemporary Smiles, we understand the physical and emotional toll that dental issues can take on a person. We are committed to providing clinical excellence and compassionate care and ensuring that you have access to the treatment you need to regain your dental health and overall well-being.

Accessing Superannuation for Dental

Your dental health should never be compromised due to financial constraints. The Australian government’s compassionate grounds scheme allows individuals to access their superannuation funds early to pay for essential dental treatments. 

Contemporary Smiles, with its commitment to excellence in dental care, can guide you through this process. We will ensure that you receive the treatment you need to maintain your dental health and overall well-being. Don’t let financial concerns stand in the way of your smile. Unlock the potential for a healthier, happier you with the support of Contemporary Smiles and where required, early access to your superannuation funds.

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