Could you use your super for dental? Let's find out.
This scheme exists specifically for people in tough situations — so don't count yourself out. Take the 60-second check. It's free, there's no obligation, and there's no wrong answer.
- A guide, not a decision — the ATO decides eligibility
- No documents needed to take the check
- Whatever the result, we'll suggest a next step
Have you been told you need major dental work — or are you in dental pain?
Do you have some funds sitting in your superannuation?
Is paying for the treatment out of pocket a real struggle right now?
Could you get the medical and dental reports and an itemised quote the ATO needs? (Usually a GP and a dentist — we’ll explain.)
It could be worth a free check.
Book your free consultationA guide only, not a decision. Eligibility is determined by the ATO and your super fund.
You may be eligible if…
No jargon, no fine print. If most of these sound like you, it's well worth a free check.
- You've been told you need major dental work
- You're in dental pain, discomfort or distress
- You (or a dependent) have no other way to pay
- You have some funds in your super
- You can get a GP report, a dentist’s report, and an itemised dental quote (we help arrange all three)
Don't have a dentist or GP sorted? That's fine — we help with both.
What the ATO needs to assess it
The dental rules need two medical reports plus a quote. The reports and the treatment are your practitioners’ call — the admin is the part we help with.
1 · Two medical reports
A report from your GP and one from a registered dental practitioner — each confirming, in their own clinical judgement, that treatment is needed to relieve acute or chronic pain (or treat a life-threatening illness or injury).
2 · An itemised quote
A fully itemised quote from your dentist — each item, code and cost listed, on their letterhead, addressed to you and dated.
3 · A complete application
Everything assembled and lodged properly so it isn’t delayed or bounced back — the admin we help with. We don’t write the reports or decide your treatment.
What usually qualifies — and what doesn't
These may qualify only when genuinely needed to relieve pain or restore function:
- Implants
- Crowns
- Oral surgery & extractions
- Root canals
- Reconstructive work — only when needed to relieve pain or restore function
- Purely cosmetic veneers
- Teeth whitening
- Elective cosmetic-only work
Cosmetic work doesn’t become eligible just because it’s bundled with necessary treatment. The narrow exception is cosmetic work with a genuine medical purpose — like restoring function after trauma. Whether treatment is necessary is your dentist’s clinical call and the ATO’s decision, not ours.
Applying for a partner or child.
You can apply to release your super for a dependent's treatment — for example, a child's or partner's dental work — with evidence of your relationship and their condition. Many parents come to us for exactly this.
Check your situationWhat you'd need for a dependent
- Evidence of the relationship (e.g. child or partner).
- Evidence of their dental condition and treatment need.
- The same medical and dental reports + itemised quote — we help organise them.
A couple of things worth knowing
Applying for a dependent
You can apply to release your super for a dependent's treatment — a child or partner — with evidence of the relationship and the condition. We'll tell you exactly what's needed.
We’re not tax advisers
We manage your application — not your finances. For anything about tax or your retirement savings, we’ll point you to a registered professional, and we’ll never pressure you into a decision. Accessing super early is a last resort — it’s worth first considering a payment plan with your dentist, savings, or other options. Early withdrawals are taxed and permanently reduce your retirement savings.
Still not sure? That's what the free call is for.
A short, plain-English chat often surfaces a path you didn't know you had. No pressure, no judgment.
Book your free consultation