Key Highlights: Use Your Super For Dental Treatment
✨ Allows early access to your superannuation for essential dental treatment under compassionate grounds
✨ Administered by the Australian Taxation Office (ATO) for medically necessary cases
✨ Helps cover major procedures like implants, surgical extractions, and full-mouth rehabilitation
✨ Designed for individuals experiencing chronic dental pain or serious oral health issues
✨ Not available for purely cosmetic dental treatments like whitening or elective veneers
✨ Vogue Smiles Melbourne supports patients through every step of the application process
✨ A comprehensive dental assessment and treatment plan are required for eligibility
✨ Dr. Zenaidy Castro provides a supporting medical letter to strengthen your ATO submission
✨ Applications are lodged online via MyGov through the ATO’s Compassionate Release portal
✨ Approval typically takes around 14 working days after submission
✨ Funds are released directly to the applicant’s bank account once approved
✨ Patients use the released funds to pay their treatment invoice at Vogue Smiles Melbourne
✨ Super funds only release the exact amount needed — no excess is approved
✨ You may apply on behalf of a dependent spouse or child if they meet criteria
✨ The process is confidential, legally recognized, and ATO-compliant
✨ Ideal for patients without access to credit, savings, or private health insurance
✨ Vogue Smiles Melbourne ensures all documentation meets ATO standards
✨ Treatments must be performed by a registered dental professional in a clinical setting
✨ Using super for dental care must be a last-resort option, not for elective use
✨ Early access can provide relief, restore function, and help you reclaim your smile with dignity
📞 Call Vogue Smiles Melbourne and Noble Park today for a comprehensive general and smile makeover treatment — offering competitive pricing, bundled porcelain veneer specials, interest-free dental plans, and Superannuation access assistance.
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At Vogue Smiles Melbourne, we understand that the cost of essential dental care can feel overwhelming — especially when faced with urgent or complex treatment needs. For some patients, the financial barrier is the only thing standing between them and the ability to eat, smile, and live without chronic pain.
That’s why we’re proud to support eligible patients through the Compassionate Release of Superannuation program, administered by the Australian Taxation Office (ATO). This program allows individuals to access a portion of their superannuation early to cover the cost of medically necessary dental treatment for themselves or their dependents.
In this guide, we’ll walk you through everything you need to know about accessing your superannuation to fund treatment at Vogue Smiles Melbourne — from eligibility to application, and what to expect once approved.
What is the Compassionate Release of Super?
The Compassionate Release of Superannuation (CRS) is a legal provision under Australian law that allows individuals to withdraw part of their super early before retirement age, under strict conditions. One of the permitted uses is for medical and dental treatment if the condition is serious, chronic, and causing significant pain or health complications — and if you have no other financial means to pay.
Eligible Dental Treatment Includes:
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Severe gum disease treatment (periodontics)
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Full mouth reconstruction due to trauma, infection, or disease
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Dental implants and surgical extractions
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Treatment for chronic infection, abscesses, or dental-related facial pain
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Major restorative dental procedures where pain or daily function is affected
Non-Eligible Treatments:
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Purely cosmetic treatments (e.g., whitening, veneers for appearance only)
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Treatments not supported by a dentist’s clinical report and detailed quote
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Procedures already paid for
The compassionate release process is overseen by the ATO, and your superfund must also allow early withdrawal (most do).
Eligibility Requirements in Detail
To access your superannuation for dental treatment at Vogue Smiles Melbourne, you must meet all the following:
General Eligibility
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Be a citizen or permanent resident of Australia or New Zealand
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Be able to demonstrate the treatment is medically necessary
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Be unable to pay for the treatment through other means (credit, savings, insurance)
Dental Treatment Requirements
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Must be to alleviate acute or chronic pain, prevent deterioration, or improve function
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Must be recommended by a registered dentist
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Treatment must not be cosmetic in nature
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Must be provided in a clinical setting by a qualified professional
Documentation Requirements
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Treatment plan and quote from a registered dentist
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Explanation of medical necessity
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MyGov account with access to ATO services
Required Documentation for ATO Application
To apply for early release of superannuation for dental treatments, the ATO requires the following documents:
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Medical Reports: Two reports are needed: one from a registered medical specialist relevant to the treatment area, and another from either a registered medical practitioner or another specialist. These reports must:
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Detail the specific condition causing acute or chronic pain or mental illness.
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Explain why the treatment is necessary to alleviate the condition.
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Confirm that the treatment is not readily available through the public health system.
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Be completed, signed, and dated within six months prior to application submission.
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Itemized Quote or Invoice: A detailed quote (no more than 30 days old) or unpaid invoice (no more than 60 days old) from the dental clinic, outlining each component of the treatment and associated costs.
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Treatment Plan: A comprehensive plan from the dental clinic describing the stages of treatment and expected outcomes.
Dental Clinic’s Role in the ATO Application
Dental clinics do not have direct access to the ATO portal. Instead, patients apply for early release of superannuation through their myGov account linked to the ATO. Dental clinics support this process by providing the necessary documentation, including medical reports, treatment plans, and quotes.
Sample Documentation from a Dentist
While specific templates may vary, a typical set of documents provided by a dental clinic for the ATO application includes:
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Dental Report: Outlining the patient’s condition, diagnosis, and the necessity for treatment to alleviate acute or chronic pain
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Treatment Plan: Detailing the proposed dental procedures, stages, and expected outcomes.
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Itemized Quote: Listing each procedure with corresponding costs, ensuring transparency and compliance with ATO requirements.
These documents must be current and accurately reflect the patient’s dental needs to support the application effectively.
What Dental Clinic actually provides:
✅ A dental quote
✅ A treatment plan
✅ Possibly a support letter from the dentist
What they do not do (despite the impression):
❌ They do not submit the application to the ATO on behalf of the patient
❌ They do not collect or coordinate the required medical specialist reports
❌ They do not have direct access to or submit through the ATO portal
Instead, the full work remains on the patient to:
✨ Obtain a medical report from a registered medical specialist (not a dentist)
✨ Get a second report (from a GP or additional specialist)
✨ Collect the itemized quote and treatment plan from the dental clinic
✨ Create or access their own myGov account
✨ Lodge all documents via the ATO’s Compassionate Release portal
How Vogue Smiles Melbourne Can Help
At Vogue Smiles Melbourne, we are here to guide and support you through the entire CRS process. Dr. Zenaidy Castro and our compassionate team recognize how dental pain and dysfunction can affect not just your mouth, but your self-confidence, nutrition, sleep, and overall wellbeing.
We will provide all the necessary dental documentation, including a detailed treatment plan and quote, to support your application for the early release of superannuation. However, the application must be completed and lodged by the patient via the ATO’s myGov portal. A medical report from a qualified specialist (not a dentist) is also required. We’re happy to guide you through the steps and answer any questions you have along the way
Here’s how we help you:
Step 1: Clinical Assessment & Eligibility
Before anything else, we’ll invite you for a comprehensive consultation and examination. During this visit, we will:
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Review your dental and medical history
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Take any necessary x-rays or scans
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Create a personalized treatment plan
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Determine whether your condition is likely to meet the ATO’s eligibility criteria
We will also assess if you’re a suitable candidate for CRS — based on pain, severity, and functional impairment — and advise you if your case qualifies for the application.
Step 2: Treatment Plan & Written Quote
To submit your application to the ATO, you must include a detailed treatment plan and written quote from a registered dental professional.
We’ll prepare the following for you:
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Your full treatment schedule
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The urgency of the condition
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Expected outcomes
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A formal cost breakdown of all procedures involved
Our quotes are clearly itemized for ATO and superfund approval and designed to ensure no confusion during the review process.
Step 3: Application Support
Once we’ve prepared your treatment plan and documentation, you (or a representative acting on your behalf) will apply via the ATO’s MyGov portal.
We guide you through the application process by:
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Providing a support letter from Dr. Zenaidy Castro explaining the medical necessity
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Supplying your treatment quote and dental records
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Offering guidance on how to fill out ATO forms accurately
📌 Please note: The ATO does not accept handwritten forms. All CRS applications must be submitted online via MyGov.
Step 4: ATO Assessment & Approval Timeline
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The ATO usually processes CRS applications within 14 working days
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If approved, you’ll receive a release letter, which you then submit to your superfund
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Most superfunds release the approved funds within 5–10 business days
We recommend that patients plan ahead to account for these timeframes. No treatment is commenced until funds are received in full.
Clarifying the Misconception About Dental Super Access Services
At Vogue Smiles Melbourne, we believe in empowering patients with clear, transparent, and honest information — especially when it comes to something as important as funding your dental treatment using superannuation.
In recent years, many dental clinics across Australia — work alongside third-party processors like SuperCare or Access My Super — have introduced options to help patients use their superannuation to pay for necessary dental procedures.
While these services may sound like they “take care of everything,” it’s important to understand exactly what they do, what they don’t do, and what is still required of you as a patient.
Let’s break it down.
What Patients Often Think Will Happen:
“The dental clinic will handle the entire application on my behalf, lodge it with the ATO, and manage everything while I wait for approval.”
This is a very common misconception, and it’s easy to see why — many dental clinics imply full support or claim to manage the process. However, in most cases, this does not reflect the full reality of the patient’s responsibilities.
What Dental Clinics Actually Provide
Most dental clinics — work with SuperCare, or Access My Super — will only assist with the dental-related documentation needed for your application.
That typically includes:
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✅ A detailed treatment plan
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✅ An itemized quote for the procedures
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✅ A letter of support explaining the medical necessity (optional, depending on the clinic)
These documents are essential and form the dental component of your application for early release of superannuation on compassionate grounds, but they do not complete the application for you.
What Clinics and Services Do Not Provide (Despite Impressions)
While some services market themselves as comprehensive or “hassle-free,” here’s what they typically do not do — unless they explicitly partner with a dedicated third-party legal or medical liaison service (and even then, fees often apply):
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❌ They do not lodge your application to the ATO
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❌ They do not collect medical reports from your GP or specialist
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❌ They do not monitor your application status with the ATO
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❌ They do not have access to your myGov account or ATO portal
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❌ They do not engage directly with your superfund
Ultimately, you, the patient, are responsible for:
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Creating or logging into your myGov account
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Gathering non-dental medical documents from licensed specialists or GPs
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Uploading all required documents to the ATO Compassionate Release portal
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Following up with your superfund after the ATO approves your application
What the ATO Actually Requires for Compassionate Release
To successfully apply for the early release of super to fund dental treatment, the ATO requires you to submit:
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Medical Report from a Registered Specialist
A licensed specialist (e.g., medical physician, oral surgeon, or specialist doctor) must confirm that your dental condition is causing serious pain or suffering and that treatment is medically necessary.
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A Second Report from a Registered Medical Practitioner
A general practitioner (GP) or additional specialist must support the claim. Dentists cannot submit this medical evidence alone.
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A Treatment Plan and Itemized Quote
Provided by the dental clinic — this is where Vogue Smiles Melbourne assists you directly.
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Proof That You Cannot Afford Treatment Otherwise
This may include a short statement or documentation confirming that no other funding options (e.g., savings, insurance, or loans) are available to you.
What About Third-Party Services Like SuperCare or Access My Super?
Some dental clinics work with external providers like SuperCare or Access My Super. These are private, for-profit companies that offer to:
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Guide you through the application process
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Gather and review your medical reports
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Help you compile your ATO documentation
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Lodge the application on your behalf
Important to know:
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These services charge a fee, often ranging from $595 to over $1,200, depending on the case
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The fee is not always refundable, even if your application is denied
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You are still responsible for scheduling medical appointments and obtaining compliant reports
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The dental clinic may receive a referral benefit for introducing you to the third-party provider
At Vogue Smiles Melbourne, we do not collect referral fees, nor do we believe in pressuring patients to use costly intermediaries. Instead, we aim to educate and empower you to navigate the process with our guidance, without added financial burden.
✨ Our Promise at Vogue Smiles Melbourne
We are here to support you every step of the way — ethically, transparently, and compassionately. Here’s what we will do:
✅ Provide you with a compliant treatment plan and itemized quote
✅ Offer a dental support letter where necessary
✅ Answer questions about the process
✅ Help guide you through how to lodge documents on your own via myGov
✅ Suggest reputable sources for medical certificates if needed
We do not charge for this support — because we believe access to essential health care, especially when tied to emotional wellbeing and chronic pain, should not be clouded by commercial ambiguity.
Final Thoughts
Accessing your superannuation for dental care is a legal, valid, and often life-changing option. But it must be approached with full understanding.
At Vogue Smiles Melbourne, we prioritize informed decision-making and emotional integrity. If you’re considering using your super to fund treatment, let’s walk through it together — clearly, compassionately, and without confusion.
📞 Contact us today for a private consultation.
We’ll help you determine whether you’re eligible and provide the correct dental documents you need to begin your journey toward healing — in body, smile, and spirit.
Frequently Asked Questions
Can I use super for my child or partner’s dental treatment?
Yes — if they are financially dependent on you and experiencing a serious condition, you may apply to release your super for their treatment. The ATO will require evidence of dependency (e.g., Medicare family link, financial documents).
How much of my super can I access?
There is no fixed limit, but the ATO will only approve the exact amount quoted for the medically necessary treatment. It does not allow withdrawals “in case of emergencies” or to cover future costs.
Can I use multiple quotes from different clinics?
No. The application is tied to the treatment plan and provider (i.e., Vogue Smiles Melbourne). If you change dentists or quotes after applying, you must re-submit the application with new documentation.
Is approval guaranteed?
No — each case is reviewed individually. Approval depends on:
We’ll give you the strongest possible chance by ensuring your documents are fully compliant and medically justified.
What Happens After Approval?
Once approved and funds are released:
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You’ll receive the money directly into your nominated bank account
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You then use those funds to pay the invoice for your treatment at Vogue Smiles Melbourne
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Once payment is confirmed, we schedule your treatment as discussed in the original plan
We do not begin treatment until the payment is received to protect you and the clinic.
Ethical Use of Superannuation
We support patients who are in genuine need of treatment. However, it’s important to understand:
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Early super access is a last resort, not a substitute for financing or savings
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This is not a way to pay for cosmetic makeovers or elective dental work
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Misuse of the CRS pathway can result in tax consequences or penalties
We will only issue CRS documents if treatment is medically justified and within the ethical scope of the ATO’s program.
Why Choose Vogue Smiles Melbourne
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Over 30 years of dental expertise by Dr. Zenaidy Castro
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Compassionate, patient-first care with a strong emphasis on emotional and physical healing
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Complete support in navigating complex funding options like CRS
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Transparent pricing and custom plans — no hidden costs
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A nurturing, welcoming clinic where your comfort matters
Unlock Your Super to Transform Your Smile Today!
If you’re experiencing chronic dental pain, difficulty chewing, or severe oral discomfort — and cost is stopping you — you may be eligible to access your superannuation to fund treatment at Vogue Smiles Melbourne. Use Your Super For Dental Treatment at Vogue Smiles Melbourne in Noble Park North. Whether you need a full mouth makeover or essential dental care, we can help you access your superannuation early through compassionate release. Contact us today to schedule a confidential consultation and discover your options. We’re here to help you find healing — financially and physically.
Find out if you qualify and take the first step toward a confident, healthy smile!
📞Call (03) 9629 7664 | 0413 014 122
REQUEST AN ONLINE PERSONALIZED QUOTE ➤
REQUEST FOR A FREE TELECONSULTATION ➤
Disclaimer:
The information on this website is for information purposes only. Is not a substitute for a proper professional care and advice. Each patient’s outcomes, risks, potential complications, and recovery differ. Any dental procedure, minor or major, carries risks, some minor and some serious. Before and after images seen on our Social Media and website pages are our actual patient and have been published/posted with our patients’ permission. All of our patients photos are subject to Copyrights protection. We are strong believers in responsible aesthetics. Every cosmetic, medical, or dental procedure comes with its own set of risks and benefits. Cosmetic Dentistry results will vary from patient to patient. Call our office and book for an actual in-office consultation for us to assess if you are a good candidate for a particular treatment. All of our Specials and packages posted on this site are subject to terms, conditions and availability. The exact fee for a particular cosmetic procedure will be determined after a preliminary assessment distinguishing your unique personal needs and the type of work needed. The prices mentioned on any of our website as well as any mentioned payment plan by a third party source, are just a guide and is subject to change. Call the third party financing providers or visit their website for more info. Please call the office on 9629-7664 for further queries or clarification.
