Your SuperCare Partner in Yokine, Simplifying Dental Care Financing

SuperCare offers a distinctive service, aiding in accessing superannuation funds for dental treatments. Key eligibility points include:

• Australian citizenship or permanent residency:
  Eligibility extends to all Australian citizens and permanent residents with superannuation​​.
• Fund trustee’s decision:
  The release of funds is contingent on the decision of the fund trustee, based on their specific policies​​.
• Family member eligibility:
  The service includes the possibility of using superannuation funds for certain medical procedures for eligible family members. This is outlined in the Superannuation Industry (Supervision) Act 1993​​.

SuperCare is often chosen by families who:

• Lack a relevant or adequate health fund
• Have insufficient funds available
• Have a family member with superannuation funds

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For more information or to determine specific eligibility, direct contact with SuperCare is recommended.

To apply for dental funding through SuperCare, follow these steps:

1. Consultation at Sage Dental:
   Schedule an appointment with Sage Dental to discuss your dental needs and determine the treatment plan.
2. Clinic Referral:
   During your consultation at Sage Dental, inform your dentist that you wish to use SuperCare for funding. Sage Dental will then submit your details to SuperCare using their online referral form.
3. SuperCare Contact:
   After receiving your referral from Sage Dental, a SuperCare consultant will contact you to begin the application process. They will guide you through filling out the necessary forms and gather the required documentation. These include a detailed treatment plan and cost estimate from Sage Dental.
4. Documentation and Review:
   Make sure all required documents, including the support letter or treatment plan from Sage Dental, are provided to SuperCare. They will review your application for completeness.
5. Submission to the ATO:
   Once your application is complete and reviewed, SuperCare will submit it to the Australian Taxation Office (ATO) for approval.
6. Approval and Funding:
   The ATO will assess your application. Upon approval, the funds are released and transferred to Sage Dental to cover the cost of your treatment.

SuperCare and Sage Dental will work together to assist you throughout this process so you’ll have a smooth and efficient application experience.

In total, from the time of initial  contact up to the release of the funds, the process can take approximately 3 to 4 weeks. However, this can vary based on individual cases and the efficiency of the documentation process. The general timeline is as follows:

1. Initial contact and application preparation:
   After your details are sent to SuperCare by Sage Dental, a SuperCare consultant will contact you to start the application process. The time taken to prepare and complete the application depends on how quickly you can provide the necessary information and documentation.
2. Review and lodgment with the ATO:
   Once your application is complete, SuperCare reviews it for accuracy and completeness. After this review, the application is lodged with the Australian Taxation Office (ATO).
3. ATO assessment:
   The standard assessment time by the ATO is up to 10 business days from the date of lodgment. This period is for the ATO to review and make a decision on your application.
4. Release of funds:
   If your application is approved, the superannuation funds are released within 5 to 7 business days after approval.

The SuperCare application process involves several steps, and the duration can vary depending on individual circumstances. It’s important to provide all required information promptly to avoid delays.

SuperCare, with your dentist’s referral, can be used for a wide range of dental treatments. These include:

• Orthodontic care:
  These treatments aim to address dental alignment issues and may include the use of clear aligners. 
• Dental implants:
  Used to replace missing teeth, dental implants involve the surgical placement of an implant post into the jawbone to serve as an artificial tooth root. This will serve as a foundation for your prosthesis. 
• Root canal treatments:
  For patients with infected teeth, root canal treatments may be performed to save the tooth. 
• Dental crowns:
  Crowns are tooth-shaped caps used to restore and strengthen decayed or damaged teeth. 
• Periodontal and oral surgery:
  These encompass treatments for various oral and maxillofacial conditions
• General dentistry:
  This includes regular dental check-ups, cleaning, restorations, fillings, and extractions. 

For specifics on how SuperCare can be used for treatments at Sage Dental, contacting the clinic directly will provide the most relevant and personalised information. Our team can guide you through the options available under SuperCare to suit your dental care requirements.

The amount you can access through SuperCare for dental funding is not explicitly capped by SuperCare itself. However, it is subject to several considerations:

• Superannuation Balance:
  The amount you can access depends on your available superannuation balance. You can only withdraw funds that are currently in your super account.
• Treatment Costs:
  The amount requested needs to align with the cost of the dental treatment. SuperCare assists in funding necessary and essential dental procedures, so the amount should reflect the quotes or estimates provided by your dental clinic.
• ATO Approval:
  The Australian Taxation Office (ATO) reviews each application for the early release of superannuation funds. Their decision on whether to approve the release and the amount to be released is based on the evidence provided regarding the necessity and cost of the medical treatment.
• Superannuation Fund’s Policy:
  Your specific superannuation fund may have its own rules and guidelines regarding the early release of funds for medical purposes. This can influence the amount you can access.

It’s important to consult with both SuperCare and your superannuation fund to understand any limitations or requirements specific to your situation. Additionally, seeking advice from a financial advisor can be beneficial in understanding the implications of accessing your superannuation early.