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Why Choose Access My Super?
Direct ATO Submission
We prepare, submit and monitor your application with the ATO, ensuring full compliance with all regulations.
Streamlined Process
Simply provide your treatment quote, and we'll take care of the rest. All required GP consultations are conducted via secure telehealth platforms from the comfort of your home.
Access Priority Appointments
Psychiatrist appointments are available within 1-4 business days through our established network.
Every journey is different - these are real experiences from our clients
Good to know: Accessing super early means less for retirement, and there may be tax to consider. We recommend chatting with a financial adviser if you'd like guidance.
Frequently Asked Questions
Who is eligible for the Early Release of Super for Medical Treatments?
All Australian citizens can apply for the early release of superannuation on compassionate grounds to help cover the cost of medical treatments.
What type of Treatment can I gain approval for?
Access My Super can help you access your super to cover the cost of a variety of Medical Treatments including Dental, Weight Loss, IVF, Reconstructive, Overseas Medical Treatments and more.
Can I use my super to cover medical treatment costs for my spouse, partner or children?
Yes, you can access your super to pay for the medical treatment cost of your spouse, partner or other dependants.
Are there any limitations on the amount of super I can withdraw?
No, there are no limitations on the amount of super you can withdraw. You are eligible to withdraw the amount required for your treatment as little or as big it may be.
What should I do first if I want to apply for early release of super?
Before applying for early release of your super, Access My Super recommends consulting with an independent financial adviser. Once you’ve done that, get in touch with our team.
Will early release of super affect my superannuation life insurance?
Yes, your insurance cover may be affected if you apply for the early release of super. Contact your super fund for details of how cover will be impacted before deciding whether you want to access your super early.
How Tax Applies to Early Super Release on Compassionate Grounds
When you receive superannuation on compassionate grounds, it’s treated and taxed the same way as a standard superannuation lump sum payment. The amount of tax you’ll pay depends on several key factors:
Tax Factors That Apply:
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Your current age when you receive the payment
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Your preservation age (typically 60 for most Australians)
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The different components within your superannuation (tax-free and taxable portions)
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Exact rates depend on your circumstances and super components
- Early access to superannuation is generally counted as assessable income for tax purposes
Consult your super fund or tax professional for your specific tax liability before applying.