FAQs

Yes, however you need to meet eligibility rules to access your super early.

You normally can’t use your super until you reach your preservation age. Read about preservation age on the Australian Taxation Office (ATO) website.

To get your super released early you must meet 1 of these eligibility requirements:

  • be in severe financial hardship
  • have a terminal illness
  • be a temporary resident
  • have less than $200 in your super fund
  • meet compassionate grounds.

The ATO will approve the release your super on compassionate grounds if you:

  • meet the eligibility requirements of the compassionate ground you’re applying for
  • have not paid for the expense. If you have already paid the expense using a loan, a credit card or money borrowed from family or friends, you do not meet the eligibility requirements
  • can’t afford to pay the expenses without accessing your super – for example, by obtaining a loan or using your savings
  • are a citizen or permanent resident of Australia or New Zealand
  • provide all required supporting evidence and invoices/quotes.

Compassionate grounds include:

  • medical treatment and medical transport for you or a dependant
  • palliative care for you or a dependant
  • making a payment on a loan or council rates so you don't lose your home
  • modifying your home or vehicle, or buying disability aids for you or a dependant because of a severe disability
  • expenses associated with a death, funeral or burial for a dependant.

We help guide you through the application process and what is needed to support your application. If you require Financial Advice you will need to contact a professional licensed financial planner. My Super Assist does not provide Financial Advice.

Yes, you may be eligible for compassionate release of super to pay for necessary medical treatment or medical transport expenses for you or your dependant.

The application is a three-part process. Before you apply, check with your super provider whether they allow the early release of super.

Part 1 - Complete the online form

Part 2 - Await ATO decision

Part 3 - If approved, approach your super fund requesting payment

The ATO can take up to 14 days to assess your eligibility for compassionate release of super.

If your application is successful, the ATO will notify you and also notify your super provider. You must contact your super provider to arrange release of your money. The ATO will issue an approval letter and you will need to provide the super provider with the approval letter to process your payment.

You must pay the expenses with the amount released from the provider and keep your receipts as evidence.

Some super funds cannot release super early, you should contact your super provider to ask about:

  • whether they will release super early under compassionate grounds
  • whether there is sufficient balance in your account
  • any fees for releasing super early under compassionate grounds
  • tax on the amount released
  • implication on any insurance attached to your accounts.

There are no special tax rates for a super withdrawal on compassionate grounds. It is paid and taxed as a normal super lump sum. The tax rates depend upon various factors including age and the components of the super lump sum. Refer to super lump sum tax table on the ATO website for further information.

If you don't agree with the ATO’s decision you can contact them to explain their decision.

If your application was not approved because you didn't provide sufficient evidence, you need to submit a new application with all the required documentation.

If your application was partially approved and you have new evidence, you need to submit a new application with the required documentation for only the balance that was not approved.

If your application was rejected because you didn’t provide sufficient evidence, a request for review generally won’t be successful. If you have new or additional information, you should submit a new application.

No, treatment plans do not meet the criteria set out by the ATO. You need to supply a quote or invoice.

Yes, if you are an Australian or New Zealand permanent resident or citizen, you can access your Early Release Super 9ERS) to pay for your dental treatment or procedure.

Yes, you can. You can pay for any immediate family including spouse or children, as well as extended non-immediate family members such as grandchildren, nieces, nephews, aunts and uncles.

Yes, you can choose the dentist you decide upon to undergo your required treatment. Or, if for another family, they are able to choose their preferred dentist. If you do not have a preferred supplier and would like a recommendation, simply get in touch with our friendly team and we can point you in the right direction.

The application for ERS including the assessment can take anywhere up to 14 days. It is advised to wait until your application has been processed to make your booking.

If your application is successful you will be advised and ERS paid out. If unsuccessful, you will also be advised as soon as the application has been assessed.

There is no limit to the amount of super you can access for your dental treatment. You are able to access as much super as you require to cover the dental treatment or procedure required.

If your treatment costs exceed the amount you had originally estimated and applied for, you can simply apply for additional funds you require to complete the treatment.

In general, allow for 4-6 weeks for the full application to be assessed and funds available in your account.

Each individual application is assessed on its own merit however, we have a high success rate among our dental applications via ERS.

We are proud of our high success rate we have of all applications being submitted to the ATO.

Yes, however you need to meet eligibility rules to access your super early.

You normally can’t use your super until you reach your preservation age. Read about preservation age on the Australian Taxation Office (ATO) website.

To get your super released early you must meet 1 of these eligibility requirements:

  • be in severe financial hardship
  • have a terminal illness
  • be a temporary resident
  • have less than $200 in your super fund
  • meet compassionate grounds.

Yes, you can choose the specialist you decide upon to undergo your required treatment.

There is no limit to the amount of super you can access for your Weight loss surgery. You can access as much super as you require to cover the Weight loss surgery or procedure required.

It is important that you get an accurate quote otherwise you will need to reapply for the additional funds you require.

Yes, however you need to meet eligibility rules to access your super early.

You normally can’t use your super until you reach your preservation age. Read about preservation age on the Australian Taxation Office (ATO) website.

To get your super released early you must meet 1 of these eligibility requirements:

  • be in severe financial hardship
  • have a terminal illness
  • be a temporary resident
  • have less than $200 in your super fund
  • meet compassionate grounds.

Yes, you can choose the fertility specialist you decide upon to undergo your required treatment.

There is no limit to the amount of super you can access for your IVF treatment. You can access as much super as you require to cover the IVF treatment or procedure required.

It is important that you get an accurate quote otherwise you will need to reapply for the additional funds you require.

If you are not eligible to access your super early on compassionate grounds you may be able to explore access it under the mental health provision.

Yes, however you need to meet eligibility rules to access your super early.

You normally can’t use your super until you reach your preservation age. Read about preservation age on the Australian Taxation Office (ATO) website.

To get your super released early you must meet 1 of these eligibility requirements:

  • be in severe financial hardship
  • have a terminal illness
  • be a temporary resident
  • have less than $200 in your super fund
  • meet compassionate grounds.

Yes, you can choose the specialist you decide upon to undergo your required treatment.

There is no limit to the amount of super you can access for your reconstructive surgery. You can access as much super as you require to cover the treatment or procedure required.

It is important that you get an accurate quote otherwise you will need to reapply for the additional funds you require.

Yes, however you need to meet eligibility rules to access your super early.

You normally can’t use your super until you reach your preservation age. Read about preservation age on the Australian Taxation Office (ATO) website.

To get your super released early you must meet 1 of these eligibility requirements:

  • be in severe financial hardship
  • have a terminal illness
  • be a temporary resident
  • have less than $200 in your super fund
  • meet compassionate grounds.

Yes, you can choose the Orthopaedic surgeon you decide upon to undergo your required treatment.

There is no limit to the amount of super you can access for your treatment or surgery. You can access as much super as you require to cover the treatment or procedure required.

It is important that you get an accurate quote otherwise you will need to reapply for the additional funds you require.

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