Superannuation For IVF

Superannuation can be accessed to cover a wide range of IVF and fertility-related treatments. SuperCare facilitates applications for the following treatments:

• IVF, ICSI, and IUI
• Frozen Embryo Transfer (FET)
• PESA/TESA: Percutaneous Epididymal Sperm Aspiration (PESA) and Testicular Sperm Extraction (TESA)
• Donor Eggs and Donor Sperm
• Egg Freezing
• Endometriosis and PCOS Treatment
• Gynaecological Procedures
• Women’s Mental Health Counselling

The process for accessing your super to fund IVF treatment is rigorous and tightly regulated. Our expertly trained consultants will explain the specific criteria and process in detail. Generally, you must demonstrate that IVF is a necessary medical treatment and that you’re unable to pay for it through other means.

Yes, you can access your superannuation to fund treatments for endometriosis and egg freezing as these treatments are recognised as essential medical procedures.

Yes, accessing super to fund IVF treatment is becoming increasingly common in Australia.

After your application is approved and funds are released, you can typically begin your IVF treatment promptly. It’s recommended to wait until the funds are in your account before confirming treatment dates with your fertility clinic to ensure smooth payment processing.

SuperCare offers personalised, hands-on support throughout the application process. We manage all interactions with medical professionals, IVF clinics, specialist rooms, hospitals, anaesthetists and pharmacies. Our team ensures all documentation meets legislative requirements and liaises with ATO staff during the assessment stage. Once approved, we assist you in releasing funds from your super account so you can commence treatment promptly.

If your application is denied, SuperCare will review the ATO’s reasons and assist you in gathering additional documentation if required. We guide you through the appeals process, helping you navigate any challenges and resubmit your application.

Using your super early for IVF will impact your retirement saving initially and result in tax considerations. However, this option can provide essential financial support during your fertility journey. SuperCare offers guidance to help you understand these implications and balance your current needs with future financial security. We recommend consulting a financial advisor for personalised advice.

Yes if IVF treatment requires travel to a fertility clinic, you will be able to use your super to cover these travel costs. This includes situations where specific fertility treatments are only available in certain locations.

If your super balance is insufficient, you may be able to:

• Combine funds from multiple super accounts
• Access a partner’s or dependant’s super (with their consent)
• Explore partial funding options with your fertility clinic

SuperCare can help you explore these alternatives to support your fertility journey.

SuperCare stands out through our specialised focus on IVF and fertility treatments, our comprehensive support throughout the application process, and our commitment to ethical practices. Our team is trained by a fertility specialist scientist (Embryologist, Andrologist and Biochemist) who is experienced in all areas of fertility treatment. This ensures our team is highly skilled and committed to providing you with the information and assistance you need to make informed decisions about accessing your superannuation for IVF treatment. We prioritise building trust and credibility with our clients, ensuring transparency and adherence to all regulatory requirements.

At SuperCare, we prioritise the confidentiality and security of your personal and financial information. We adhere to strict privacy laws and employ robust data protection measures to safeguard your details throughout the application process.