Early Release of Superannuation (ERS)

The Australian government has recognised there are circumstances where it is appropriate for persons to access their Super Fund, or part of it, before reaching retirement age on compassionate grounds. It is lawful to apply for Early Release of Superannuation (ERS) before reaching retirement age in certain circumstances on compassionate grounds.

One of the accepted grounds to qualify for approval of ERS is dental treatment. If you, or a member of your family require dental treatment and need to access your super to finance the cost of the treatment, then reach to ‘’Access My Super’’ (AMS) for assistance. Professional consultants ‘’Access My Super’’ will extend competent assistance to apply and obtain ATO approval.

(You can reach AMS on 1800 845 121 or info@accessmysuper.com.au)

Dental treatment includes:

  • Orthodontics / Braces
  • Implants, including all-on-4-implant surgery,
  • Root canal treatment,
  • Dentures,
  • Crowns and same-day-crowns
  • Periodontal treatment
  • General dental such as teeth restoration, extractions and fillings.

For ATO approval a written report is required from the applicant’s dental practitioner to certify the treatment is genuine and necessary. Estimates of the cost of the treatment must be submitted with the application. It is important for applicants to ensure their Super Fund will release the ATO approved amount. Some Super Funds are prohibited by their internal rules, terms and conditions from Early Release of super funds on compassionate grounds. However, in such circumstances AMS will endeavour to resolve such issues.


Q: How do I know if I am eligible to access my super?

A: to be eligible you must be, an Australian citizen or permanent resident in Australia or a citizen of New Zealand. You must have superannuation.

Q: Can I access my super to help family members obtain medical treatment? 

A: you can access your super to help family members including your children or close relatives such as aunts, uncles and same sex partners.

Q: what is the maximum amount I can apply for?

A: You can apply for part or all of your super, however you are required to submit with your application a quotation for the cost of the treatment, the amount you can apply for must not exceed the quoted amount. Moreover, if you apply for part of your super and later you find you need more money to pay for the treatment, you can make a fresh application for the shortfall.

Q: Are there any restrictions on which dentist I may choose to treat me?

A: there are no restrictions on your dental care practitioner, you can choose your dentist as long as they are registered with the Australian Health Practitioners Registration Agency.

Q: Does AMS charge a fee for processing my application?

A: Yes. AMS does charge a fee for assisting you with your application. However, AMS will only charge a fee if your application is approved by the ATO.

AMS operates a ‘’No Approval No Fee’’ policy.