Using your super to pay for treatment is hard enough.
You shouldn't have to juggle the ATO, GP referrals and the application on top of it.
One onshore case manager will work with you from start to finish. You speak directly to them, and they'll handle everything.
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- 4.9from 1,202 Google reviews
- 10 yearsarranging early release for treatment
- 1 weekfor both medical reports, arranged by us
What happens when you call
You speak to one person that takes care of you throughout the entire process. You don't need to explain to someone new every time you call. All we need from you is the treatment quote.
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01
You speak to a case manager, not a call centre
One person picks up your file and stays on it. You'll have their direct number and it rings on their desk.
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02
They work out where you stand before anything else
Checked against what the ATO actually requires. If the answer is no, you'll hear it now rather than in six weeks.
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03
We arrange your medical reports
Through our own network of doctors. The GP consult is a telehealth call you take from home, and where a psychiatrist report is needed, the appointment is inside one to four business days. You don't chase anyone.
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04
They build the application and lodge it
An itemised treatment quote, the supporting documents, and every field the ATO expects, checked against the conditions of release before it goes anywhere.
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They stay on it until there's a decision
We monitor it with the ATO from lodgement to decision, and it's the same person the whole way through. When there's an answer, you hear it from them. No approval, no fee.
What is this for
Dental
Implants, crowns, orthodontics and full mouth work. The most common reason people release super.
Fertility and IVF
Cycles, donor arrangements and surrogacy, where the paperwork has to keep up with the clock.
Weight loss surgery
Bariatric surgery, and increasingly the GLP‑1 medication programs.
Specialist medical
Joint replacements, spinal and cardiac surgery, cancer treatment, and the gaps a health fund leaves.
Mental health
Inpatient, outpatient and residential care. These need a psychiatrist report, which we arrange.
Accommodating a disability
Equipment, modifications and care that make daily life work, where the cost sits outside the NDIS.
Overseas treatment
Booked with a clinic outside Australia. It can be eligible, and it needs more documentation.
Hair loss, or something not on this list?
Ring us anyway. It costs nothing to find out where you stand.
1800 845 121
Your cycle can't wait for the paperwork.
You shouldn't wait months to get this process sorted. We arrange the reports you need through our own network of doctors: the GP consult is telehealth from home, and the psychiatrist appointment is inside one to four business days.
- A fertility case manager who does these applications every day, not one in a while.
- Working relationships with almost every IVF provider in Australia, so we know what your clinic needs and when.
- The documents that catch fertility applications out, including the donor statement, handled before it's lodged.
One case manager, from your first call to the decision.
There's no queue and no case number. The person who answers your first call is the person who builds your application, arranges your medical reports and deals with the ATO. You'll have their direct number, and it rings on their desk.
From start to finish Access My Super was there to support me with documentation. Kind and understanding support from case manager April.
Skye took the time to explain everything clearly, answered all of my questions promptly, and made what could have been a stressful process feel straightforward and manageable.
Even though at first the process can seem overwhelming, Amy made me feel so at ease, supported and gave me all the information to make an informed decision.
My case manager Edwina was outstanding, she was professional, warm, and incredibly efficient. She explained every step in a clear and simple way, kept me informed throughout the entire process.
Common questions
The ones people ask before they start. If yours is not here, ring us and ask.
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:
- Your current age when you receive the payment
- Your preservation age (typically 60 for most Australians)
- The different components within your superannuation (tax-free and taxable portions)
- 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.
See if you're eligible
Figure out where you stand before speaking to anyone, without handing over your email address and phone number.
What actually causes applications to fail
- 01A treatment quote that isn't itemised. The ATO needs to see what each part costs, not one total at the bottom.
- 02Missing supporting documents. In fertility, the donor statement is the one that catches people out.
- 03Eligibility that was never there. You can wait weeks for the ATO to tell you that.
- 04Applying after you've paid. Early release is for treatment that's still to be paid for.
We'll help your patients afford your treatment.
Refer a patient in one form. From there they've got their own case manager with a direct line, we arrange whatever medical reports the application needs through our own network of doctors, and we deal with the ATO.
- One formand your team is done
- No costto your practice, ever
- No contractand no minimum referrals
Tell us what treatment you're looking at.
A case manager will tell you where you stand, usually on the first call. If there's a time that suits you better, say so on the form and we'll work around it where there's availability.