Access My Super

Can I acess my super for dental treatments?

Do you need to access your super for your dental treatments such as dental implants, dental veneers & crowns, orthodontics (braces), Invisalign, dentures, and more?  We have the solution. SuperCare is a group of experts that can help you with early access to your super. Therefore you can get your smile back without financial stress.  

Who is SuperCare?

SuperCare is a specialized service in Australia that assists individuals in accessing their superannuation (super) funds early to cover the costs of essential medical treatments, including dental procedures. Established in 2013, SuperCare was founded to address the financial challenges many Australians face when unexpected or costly medical needs arise. The organization’s mission is to improve the health and well-being of individuals by offering a streamlined and compliant way to access super funds early, thereby alleviating the stress and burden associated with medical expenses.

The team at SuperCare comprises experienced professionals who guide clients through the entire process, from determining eligibility to submitting applications to the Australian Taxation Office (ATO). They ensure that all applications meet the strict criteria set by the ATO and other government regulators, providing clients with peace of mind that their requests are handled correctly and ethically.  This will eliminates the risk of your application to access your super to be rejected.   

SuperCare maintains strong relationships with regulatory bodies, ensuring they stay up-to-date with any changes in legislation or guidelines. This commitment to compliance and transparency has established them as a trusted name in the industry. Their services are particularly beneficial for individuals who may not have the immediate funds to cover critical dental treatments but have superannuation savings that can be accessed under specific conditions.

For more detailed information about their services, eligibility criteria, and the application process, you can visit their website at supercare.com.au. SuperCare is dedicated to making a positive impact on the lives of Australians by facilitating early access to super funds for essential healthcare needs.

For what dental treatments I can Access My super?

You can access your Super for all your dental treatments. Just to name a few, dental implants, dental veneers, invisalign, orthodontic braces, general dentistry and more. If you are postponing your dental treatments due to finances, SuperCare can help you.  Casltle Hill Dental Care in collaboration with SuperCare have helped many patients in Castle Hill, Baulkham Hills, Kellyville, and other Hills areas to get their dental treatments done without financial stress.  As a cosmetic & implant dentist in Castle Hill area, we have worked with SuperCare company for a long time. They can assess your eligibility & guide you through the application. There is also NO LIMITS on how much you can withdraw.

 What is the cost of application to access my Super?

The cost associated with applying to access your superannuation (Via SuperCare) includes a processing fee of $680.00, which is charged by SuperCare once your application has been approved. This fee covers the administrative and processing costs involved in handling your request. Importantly, SuperCare emphasizes that there are no hidden costs, meaning you won’t encounter unexpected charges during the process.

However, it’s always a good idea to double-check if there are any additional fees that might apply, such as those from your super fund or financial advisor, as these can vary depending on your specific circumstances. Additionally, ensure you fully understand the eligibility requirements and potential tax implications of accessing your super early, as these factors can impact the overall cost. Always review the terms and conditions provided by SuperCare and consult with a financial professional if needed to make an informed decision.

How long does it take for my application to access my super to be processed?

The processing time for accessing your superannuation for dental treatments (ie: compassionate ground) can vary depending on several factors, including the specific superannuation fund you are with and the completeness of your application. Here are some general guidelines:

  1. Superannuation Fund Policies: Different funds have different processing times. Some may process applications more quickly than others.

  2. Completeness of Application: If your application is complete and includes all necessary documentation, it will likely be processed faster. Incomplete applications can cause delays.  That is why we recommend you to use SuperCare to ensure that your application to access your super will not be delayed.  

  3. Type of Release: The type of early release you are applying for can also affect processing times.  However, applications for accessing your super for dental treatment (ie: compassionate ground) do not take too long. 

  4. ATO Involvement: If your application involves the Australian Taxation Office (ATO), such as for compassionate grounds, the ATO’s processing time will also impact the overall timeline.

General Timeline:

  • Compassionate Grounds: If you are applying for early release on compassionate grounds, the ATO typically takes around 14 to 28 days to assess your application. Once approved, your superannuation fund may take an additional 5 to 10 business days to process the release.

Would SuperCare charge me fees if my application to access my Super is not approved?

Based on the information provided, SuperCare operates under a “NO approval, NO fee policy.” This means that if your application to access your super early is not approved, you will not be charged any fees. They only charge fees if your application is successful.

This policy is designed to minimize financial risk for you, as you won’t incur any costs if your application is unsuccessful. However, it’s always a good idea to confirm this directly with SuperCare or review their terms and conditions to ensure you fully understand their fee structure and any potential charges.

How & When Can I Access My Super for dental treatments?

SuperCare 8 easy steps for accessing your superannuation:

The SuperCare application process is seamless and fast.

  1. The clinic sends the patient’s details to SuperCare via the online referral form.
  2. A SuperCare consultant contacts the patient and discusses the eligibility.
  3. The patient is signed on as a client and begins the application process.  A $680 fee applies. However, SuperCare has a “no approval, no fee” policy.
  4. SuperCare contacts the clinic and requests the required support letter for the CRS claim.
  5. In-house GP signs the CRS form.
  6. The application is reviewed and lodged with the ATO.
  7. Standard assessment takes up to 10 business days from lodgment.
  8. Application is approved! Clinic is notified and Super releases in 5-7 business days.

Can I access my super early for all dental treatments?

Yes, you can access your Super early for all dental treatments:

At what age can I access my super early for my dental treatments?

As long as you are over 18, you are eligible to access your Super early for dental treatmnets.  Also, if you are the parents or legal guardian of a dependent child, you may apply for early release of your super to pay for their eligible medical treatment, including dental, if it meets the ATO’s compassionate grounds criteria.  Therefore, no matter what age you are, you can access your own Super early for yourself or an immediate family member Super. 

For more information, contact the ATO or seek advice from a financial advisor. If you’re looking for dental care options, Castle Hill Dental Care or similar providers can help you explore payment plans or other financing options. 

Get in touch with Castle Hill Dental Care today to find out more.   

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