---
title: Can I use my superannuation to pay for treatment?
description: Possibly, through compassionate release of superannuation. It applies to significant treatment and the decision is made by the ATO.
---
[Skip to content](https://welcome.dental99.com.au/knowledge-base/can-i-use-my-superannuation-to-pay-for-treatment#main-content)
English - Australia
Show submenu for translations
Open main navigation
Close main navigation
- English - Australia
Show submenu for translations
- Contact us
Contact us
How can we help?
- There are no suggestions because the search field is empty.
1. [Dental 99 Knowledge Base](https://welcome.dental99.com.au/knowledge-base?hsLang=en-au)
2. [Payments and Billing](https://welcome.dental99.com.au/knowledge-base/payments-and-billing?hsLang=en-au)
# Can I use my superannuation to pay for treatment?
**Quick answer:** Possibly, through compassionate release of superannuation. It applies to significant treatment and is decided by the ATO.
Compassionate release lets you access some of your superannuation early to pay for necessary dental treatment when you cannot afford it otherwise. It is most commonly used for implants, All-on-4 and other major work.
## How it works
- Have your consultation and get an itemised treatment plan
- A Treatment Coordinator helps you prepare the supporting documentation
- You apply to the ATO, who decide whether to approve the release
- If approved, your super fund releases the funds to pay for treatment
## Worth knowing before you start
The decision is the ATO’s, not ours and not your super fund’s. It takes time, so it is not an option for urgent treatment. And money taken out of super now is money that is not there later, which is worth weighing up properly.
**Note:** We can help with the treatment plan and documentation. We cannot give you financial advice about whether accessing your super is the right choice, and you may want to speak to a financial adviser.
- [FAQs](https://welcome.dental99.com.au/knowledge-base/faqs?hsLang=en-au)
- [Getting started](https://welcome.dental99.com.au/knowledge-base/getting-started?hsLang=en-au)
- [General](https://welcome.dental99.com.au/knowledge-base/general?hsLang=en-au)
- [Clinic Information](https://welcome.dental99.com.au/knowledge-base/clinic-information?hsLang=en-au#main-content)
- [Hours](https://welcome.dental99.com.au/knowledge-base/clinic-information?hsLang=en-au#hours)
- [Locations](https://welcome.dental99.com.au/knowledge-base/clinic-information?hsLang=en-au#locations)
- [Cancellation and Rescheduling](https://welcome.dental99.com.au/knowledge-base/cancellation-and-rescheduling?hsLang=en-au)
- [Treatments and Pricing](https://welcome.dental99.com.au/knowledge-base/treatments-and-pricing?hsLang=en-au)
- [The Dental 99 App](https://welcome.dental99.com.au/knowledge-base/the-dental-99-app?hsLang=en-au)
- [Escalation and Complaints](https://welcome.dental99.com.au/knowledge-base/escalation-and-complaints?hsLang=en-au)
- [Aftercare](https://welcome.dental99.com.au/knowledge-base/aftercare?hsLang=en-au)
- [Payments and Billing](https://welcome.dental99.com.au/knowledge-base/payments-and-billing?hsLang=en-au)
- [Dental 99 Implant Institute](https://welcome.dental99.com.au/knowledge-base/dental-99-implant-institute?hsLang=en-au#main-content)
- [Overview](https://welcome.dental99.com.au/knowledge-base/dental-99-implant-institute?hsLang=en-au#overview)
- [Booking and Appointments](https://welcome.dental99.com.au/knowledge-base/booking-and-appointments?hsLang=en-au)
- [Help with costs](https://welcome.dental99.com.au/knowledge-base/help-with-costs?hsLang=en-au)
- [Your rights and your data](https://welcome.dental99.com.au/knowledge-base/your-rights-and-your-data?hsLang=en-au)
[](https://welcome.dental99.com.au/?hsLang=en-au)
[mailto:email@email.com](mailto:email@email.com)
Copyright © 2026, Dental 99