Use your super to pay for essential dental care in Brisbane
Most people don’t realise they can use their superannuation to fund dental treatment. But if your treatment is considered medically necessary and you meet the eligibility criteria, the Early Release of Super (ERS) program may allow you to access your super to cover the cost.
This can help pay for a wide range of treatments, including implants, orthodontics, crowns, bridges, dentures, and other restorative or medically required dental procedures.
At Fix Dental, we regularly support patients through this process so they can finally get the dental care they’ve been putting off.
When savings fall short, superannuation can step in
The Government’s Early Release of Superannuation program exists to help people access clinically essential healthcare when no other financial options are available.
You may be eligible if you’re experiencing:
Acute or chronic dental pain
Dental conditions affecting daily life (chewing, speaking, eating)
Oral health issues affecting mental wellbeing
Serious dental deterioration that will worsen without treatment
If you’re unsure whether you qualify, our dentists will assess your situation, explain your options, and support you through every step of the process.
How Fix Dental helps you access your super
We know dental issues can be painful, stressful and urgent. Our team has extensive experience helping patients navigate the Early Release of Super. From the initial assessment through to application.
You’ll receive:
A full clinical assessment to determine eligibility
A clear treatment plan outlining required procedures
Supporting documentation for your ERS application
Guidance on how to submit your application through the ATO
Ongoing support while you wait for approval
What to expect:
Our team will assess your dental needs
We will share further details on eligibility
An application for early release of super can be made through the ATO
Understanding eligibility: When you can access your super
You may be eligible if:
You cannot afford treatment any other way
Your dental condition is causing significant pain or deterioration
Not receiving treatment could lead to worsening health
Your condition impacts your mental wellbeing
You have no private health cover to assist in funding
To avoid confusion, ERS is not typically approved for:
Purely cosmetic treatments
Elective whitening
Cosmetic-only veneers
Non-essential aesthetic procedures
If a treatment does have a functional, medical, or psychological component, we will discuss this with you.
Other ways to pay
Our team believes that high-quality dental shouldn’t be hard to access. We dedicate ourselves to fair prices, fast timings, and the best possible care. On top of this, we make paying for your dental work flexible, recognising that everyone’s circumstances are a little bit different.
Become a member
Just like a gym membership, our dental membership program will give you regular, affordable dental care for small ongoing payments instead of lump sums. Perks include two free dental check-ups and cleans per year (including any required x-rays), plus access to special offers and promotional discounts on a range of dental services throughout the year.
Interest-free payment plans
Need some time and flexibility to pay for your dental work? We offer interest-free payment plans to ensure you get the treatment you need, when you need. And we’ve also partnered up with Humm, Afterpay and Zip to give you added flexibility and more options.
Dr. Vu and the team at Fix Dental have truly transformed my Smile and my Life! I can’t thank the entire Fix Dental team enough for their warm, friendly service and support.rnIf you’re looking for top-notch dental care, look no further! Fix Dental is the place to go.
Martin van Heerden
Non-Incentivised Review
1000+
Cosmetic Dental treatments provided
$10,000+
Saving compared to other dentists
100%
Patient satisfaction with this service
Book with the friendly team at Fix Dental
At both our Chermside and Mt Gravatt clinics, you’ll find a caring team ready to make your dental journey simple and stress-free. We’re here and ready to guide you through every step.
Accessing Super FAQs
What dental treatments can be paid for using super?
You can apply to use your super for a wide range of dental treatments if they support your health, function or wellbeing. Common approved treatments include:
Dental implants
Full or partial dentures
Crowns and bridges
Orthodontics (including braces and aligners)
Treatment for chronic pain or infection
Extensive restorative work
All-on-4 or major rehabilitation cases
Cosmetic-only treatments are generally not approved unless there is a functional or health-related need.
What are the eligibility criteria?
To be eligible under the ERS program, you must meet the ATO’s compassionate grounds requirements. Generally, this means:
You are experiencing chronic or acute dental pain, infection, difficulty eating or other functional concerns, OR
Your dental condition is causing mental harm or distress, and
You have no other accessible funds available to pay for the treatment.
Our team can help assess whether your situation meets the criteria and guide you through each step.
What are the steps to access your super for dental treatment?
Accessing super for dental involves several clear stages:
Consultation and treatment plan
You’ll visit Fix Dental for a full assessment. Your dentist will identify your treatment needs, outline the recommended procedures, and prepare a supporting clinical report.
Obtain a detailed quote
We provide a written quote that includes the exact costs of your treatment — this is required for your ATO application.
Gather supporting documents
This typically includes:
A letter from your dentist
A detailed treatment plan
A cost estimate
Any relevant medical or financial information that supports your application
Lodge your ATO application online
The application is submitted through your myGov account under the ATO’s “Compassionate Release of Super” section.
ATO assessment
The ATO typically reviews applications within 10–14 days, though timeframes may vary.
Funds released to you
If approved, your super fund releases the approved amount directly to your bank account for you to pay for your treatment.
Our team will guide you through every step, from paperwork to submission.
How long does the approval process take?
Most applications are processed by the ATO within 1 to 2 weeks after submission. Some super funds release money within days, while others take longer. We help you plan your treatment timeline around expected approval dates.
Does accessing my super affect my retirement savings?
Withdrawing super early means reducing the money available to you in retirement. However, for many patients, the immediate health, comfort, and quality-of-life benefits outweigh delaying essential care. We’ll help you weigh up your options and explore alternatives such as payment plans before you decide.
Are there other ways to pay if I’m not eligible?
Yes. Fix Dental offers:
Interest-free payment plans with weekly or fortnightly repayments
Acceptance of most major health funds
Access to our affordable Fix Dental Member Program, which includes free check-ups and cleans
Transparent, fixed pricing so you always know what to expect
We make sure cost never becomes a barrier to the treatment you need.
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