Claiming Superannuation for Surgery
Rules set out by the ATO state that you can only have early access to your super in very limited circumstances. This comes down to two factors:
- You are in severe financial hardship, or
- You are in acute or chronic pain that requires medical treatment
Accessing your Superannuation on Compassionate Grounds
You may also be allowed to withdraw some of your superannuation on compassionate grounds. This refers to when you need money:
- for medical treatment or medical transport
- to treat a life-threatening illness or injury
- to alleviate acute or chronic pain
- to alleviate acute or chronic mental illness
What do I need to access my Super Fund?
Firstly, you must go through the entire process listed on the Australian Taxation Office. Prior to submitting your application to the ATO website, it is advised to ask if your superfund will grant access to your super under compassionate grounds.
A referral from your GP to support your medical condition is required for the initial consultation. After the consultation, patients will need:
- Surgery quote.
- Early release super form, which will be filled out by your general practitioner.
- Early release super form, which will be filled by us (Gold Coast Plastic Surgery).
Note: Patients can simply access these forms by visiting the ATO’s website.
For further reading:
- Early Access to Super – Q Super
- Accessing Your Super – Hesta
- Accessing Your Super Early – AMP
- When Can I Access My Super – C Bus Super
- I Had Surgery to Save my Life, Now the Government is Making Me Pay For It – Kidspot
Disclaimer
Please be notified that all the information about making payments for your plastic cosmetic surgery with the help of early super release is for general purposes only. It goes without saying that this information is compiled without taking your personal situation, responsibilities as well as financial situation into consideration.
Before taking an action based on the provided information, carefully consider whether it is appropriate or not both in regards to personal and professional advice. The information listed is not a substitute for financial advice and may be subject to change as per the rules of ATO.
Need more information or wish to book a consultation?
Need more information about surgery? To contact our team to make an appointment with Dr Doyle, please call 07 5598 0988 or complete an enquiry form.
About Dr Mark Doyle FRACS (Plas) – Queensland Plastic Surgeon
Servicing patients in Gold Coast, Brisbane, Sunshine Coast, Cairns and New South Wales NSW – Northern Rivers, Byron Bay, Ballina, Lismore and more.
Dr Mark Doyle is a fully qualified Specialist Plastic Surgeon with over 30 years of experience performing breast, body, face and nose surgery. He has completed all required training and only carries out approved surgical practices. There are NO undertrained doctors or cosmetic doctors acting as surgeons at Gold Coast Plastic Surgery.
