Who decides, and what must my treatment meet?

The ATO decides. SuperCare says the treatment must be medically necessary, such as to treat acute or chronic pain, and you must have no other means to pay for it. It cannot be cosmetic. SuperCare says two registered practitioners must support the application: a dental specialist, and either a GP or another dental professional.

What does it cost, and what are the risks?

SuperCare says it charges no upfront assessment fee. Ask SuperCare what else it charges. Because it is your own super, you do not repay it. But you will have less super for retirement, and SuperCare says withdrawals are taxed as income for the year you receive them. This is general information, not financial advice for you.

Can I use SuperCare through the clinic?

The clinic lists SuperCare and can help you with the application. Please contact the Shellharbour clinic or call (02) 4216 9911 to ask whether your treatment may suit it. You can take time to decide. You can pause, ask about another way to pay or decide not to go ahead.

Payment Information

SuperCare Shellharbour

SuperCare helps you apply to the ATO to release some of your super early. It is not a loan. Here is how it works and what to check first.

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Fees, private health benefits and third-party payment arrangements vary. Please confirm current details before relying on an option.

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About SuperCare Shellharbour

How does SuperCare Shellharbour work for dental costs?

SuperCare is not a lender or an instalment plan, even though the clinic lists it with its payment options. It helps you apply to the Australian Taxation Office (ATO) to release some of your super early on compassionate grounds. The ATO assesses and decides every application, not SuperCare and not the clinic.

The treatment must be medically necessary, for example to treat acute or chronic pain, and you must have no other way to pay. SuperCare says cosmetic treatment does not qualify. Registered practitioners must confirm the treatment is necessary. SuperCare says not to start treatment until you have the ATO approval letter.

Early release is your own super, so you do not repay it. But you will have less super for retirement, and tax may apply. This is general information, not advice about your own super. Ask your super fund or a licensed financial adviser what it means for you. The clinic can help you with the application.

Planning Your Visit

Bring the questions that matter to you

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Your Considerations

Questions can guide your next step

01
Is your treatment needed to treat pain or a health problem, rather than for appearance?
02
Can you wait for the ATO's decision before treatment starts?
03
Have you asked your super fund or a licensed adviser what having less super means for you?

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Frequently Asked Questions

More about SuperCare Shellharbour

SuperCare helps you prepare and send an application to the ATO. The ATO assesses it. If the ATO approves it, your super fund releases the approved amount. SuperCare says the whole process usually takes around four to six weeks.

Read about dental early release on mysupercare.com.au

Ready To Book A Dental Visit?

Call or book online and say what you would like help with. Ask what your visit includes and what it costs. At the visit, discuss your concerns with the dentist; you can review any proposed treatment and its costs before deciding.

Book an Appointment Call (02) 4216 9911