Superannuation For Reconstructive & Plastic Surgery

Early release of super can cover a range of medically necessary procedures, including:

• Breast Reconstruction
• Facial Reconstructive Surgery
• Skin Grafts
• Orthognathic Surgery to correct jaw alignment issues
• Abdominoplasty (commonly known as a Tummy Tuck) and Excess Skin Removal
• Corrective Rhinoplasty or Septoplasty
• Breast Reduction
• Breast Implant Removal (also known as Breast Explant)
• Mastectomy as treatment and preventative measure

These procedures must be deemed medically necessary, not purely cosmetic.

To qualify for early access to your Superannuation, the surgery must meet specific ATO criteria, such as treating a life-threatening illness, alleviating pain, or addressing a mental health condition. SuperCare consultants can help determine your eligibility and guide you through the process.

No, purely cosmetic procedures do not qualify for early release of superannuation. However, surgeries that address medical conditions or alleviate chronic pain may be eligible. If you’re unsure, or would like to discuss your individual case, SuperCare consultants are here to help determine your eligibility and guide you through the process.

Abdominoplasty can be covered if it addresses medical issues such as excess skin causing discomfort after significant weight loss.

Yes, if breast implant removal is medically necessary due to complications or health concerns, you may be eligible to access your super for this procedure.

To begin, contact SuperCare for a consultation. Our experienced consultants will assess your eligibility and provide ongoing support throughout the application process.

Accessing your super early for reconstructive surgery can impact your retirement savings initially and has tax implications. SuperCare provides expert guidance to help you navigate these considerations and make informed decisions. We recommend consulting a financial advisor for personalised advice tailored to your situation.

If your application is denied, SuperCare can assist by reviewing the ATO’s decision and guiding you in gathering further evidence to support your case. We support you through the appeals process, ensuring you have the best chance of a successful resubmission.

Yes, you may be able to access your partner’s superannuation if they consent and meet the necessary eligibility criteria under Australian regulations. SuperCare can help you navigate this process, providing guidance on how to manage reconstructive surgery expenses effectively.

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)
• Discuss financing options with your plastic surgeon or healthcare provider

SuperCare can assist in exploring these alternatives to ensure you can access the reconstructive care you need.

Yes, if reconstructive surgery requires travel to a specialised facility, you may be able to access your super to cover these expenses. SuperCare can assist in determining if your situation meets the eligibility criteria.

Once your application is approved and funds are released, you can typically schedule your surgery immediately. However, it’s advisable to wait until the funds are in your account before finalising arrangements with your surgeon to ensure smooth payment processing.

SuperCare pioneered the use of superannuation for reconstructive and plastic surgery, offering a streamlined application process and expert guidance. We alleviate financial stress by managing all aspects of accessing your super, ensuring compliance with ATO requirements and providing support throughout the process.

SuperCare is dedicated to helping Australians access essential reconstructive and plastic surgeries without financial barriers. Our team is here to support you every step of the way, from application to recovery.