This clinic
01Point Cook
Address220 Point Cook Road, Point Cook VIC 3030
Phone(03) 8338 1515
HoursMon–Sat 9:00 am–5:00 pm
SuperCare information
SuperCare and early release of super for dental treatment
Can you use your super to pay for dental treatment? In some circumstances, eligible Australians may apply for early release of superannuation for dental treatment that is medically necessary. SuperCare can help with the application; the ATO and your super fund decide it.
Approval is up to the ATO
Early release of superannuation requires ATO approval, which is not guaranteed. Your super fund then releases the money under the applicable rules. Magical Smiles Point Cook does not approve or decide applications. The ATO says it normally processes online applications within 14 days and paper applications within 28 days. If it approves yours, it sends you an approval letter and a copy to your fund, and you then ask your fund to release the money. Because an application may not be approved, the ATO recommends waiting for the outcome and for the payment from your fund before you book the treatment.
SuperCare's role
SuperCare is a third-party service that helps you prepare and lodge an application. It does not decide whether an application is approved, and neither does the practice. The application itself goes to the ATO, and SuperCare can help you prepare it. The ATO doesn't charge to process an application. It says a business that helps you prepare or submit one may charge a fee, that only registered tax agents are allowed to charge for this help, and that released super can't be used to pay that fee. Ask what any service charges before you start.
Consider the long-term impact
Taking super out early reduces your retirement savings. Before you apply, the ATO suggests checking that your super fund allows early release, and that your balance covers the amount plus any tax, because tax is payable on most super withdrawals. Consider every payment option first, including your health fund and a humm payment plan, and seek independent financial advice before deciding.
Treatment eligibility
The ATO sets the criteria for early release. Your dentist's clinical documentation may support an application, but it does not guarantee approval. Confirm the current requirements with the ATO and your super fund. The ATO lists dental treatment among the medical treatments that may be eligible for compassionate release, where specific evidence is provided. Its guidance on medical treatment (last updated 13 July 2026) says the treatment must be needed to treat a life-threatening illness or injury, or to relieve acute or chronic pain or an acute or chronic mental illness. It also must not be readily available through the public health system. Cosmetic procedures that aren't needed for one of those reasons are not eligible. The ATO says it can only approve what is absolutely necessary to treat the eligible condition, even if you'd prefer a higher-cost treatment with cosmetic benefits. It also asks for two medical reports about your condition and the treatment, including one from a registered specialist in the relevant area, and, for dental treatment, a copy of your treatment plan with details of all stages of the treatment. If the ATO asks, it wants evidence of the other ways you considered paying, such as savings, credit or a payment plan.
Fees and written quotes
Fees vary according to individual needs and the treatment provided. Ask the practice for a personalised written quote before deciding. The ATO asks for an itemised quote or invoice that shows the amount and a description of each part of the treatment. Quotes must be no more than 6 months old, and invoices no more than 30 days old.