Accessing Super for IVF can be extremely difficult…..Release My Super is here to help.

Those of you having trouble Accessing Super for IVF and accessing their superannuation savings for IVF will need to complete an application under the ‘mental health’ provisions of the compassionate release of superannuation program.

RMS can usually get clients booked in to see a psychiatrist within 24 to 48 hours.

The test for eligibility is that you are suffering from an “acute or chronic mental illness” and this requirement means that you will need a report from a psychiatrist and your GP.

If you require an assessment with a psychiatrist, call our team on 1300 090 261 for an appointment, usually within 24 hours.

Release My Super specialises in the release of super for IVF treatment

We have consultant psychiatrists to assist in the process and appointments can usually be completed within 24 hours.

Let us help you understand the nature of an application to pay for IVF treatment from your superannuation savings.

You will require medical reports from a General Practitioner and Psychiatrist.

Reference ATO Website  | Mental Health

The ATO website has been amended to require that “the registered medical specialist must be specialised in the area in which they are giving their opinion.” If you apply for treatment of an acute or chronic mental illness,  applications will require a medical report from a psychiatrist. Advice (2/8/21 from ATO), from 30/9/2021 all applications submitted under mental health MUST have a psychiatric report.


  1. I want to lodge my own IVF application to the ATO.
  2. I want assistance to lodge my IVF application to the ATO.

At RMS we like to make it as easy as possible for clients and respect some applicants are comfortable doing the lodgement and only require a psychiatric assessment for their IVF application.

Other clients feel they need more support and want RMS to drive their application and submit the paperwork.

Self Lodgement

$770 – psychiatric assessment and report for IVF.

RMS Lodgement

$495 – We take care of ensuring all the paperwork is in accordance with ATO requirements for an IVF application.  We hold your hand and don’t let go until the money hits your account.  This includes ironing out any problems that occur with the ATO and your super fund.

RMS normally has clients booked in to see a psychiatrist within 24 to 48 hours.


accessing -super-for-IVF
The ATO will only release your superannuation on compassionate grounds if you:
  • meet the eligibility requirements of the compassionate ground you’re applying for
  • have not paid for the expense – they can only approve the compassionate release of superannuation to help you with unpaid expenses. 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 e.g. 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.

RMS can usually get clients booked in to see a psychiatrist within 24 to 48 hours.

Rules and guidelines

Rules and guidelines around accessing your super for IVF have been put in place to make sure compassionate access to your superannuation is available.  But the process can make it difficult for those wanting to release super for IVF treatment.

Release My Super can assist in the process and guide you towards the release of super to access treatment.  To discuss your needs call us.

Quick IVF Q & A

When you are told IVF is an option for you to achieve your dream of parenthood, your mind starts racing with questions and you want the answers to be quick and direct. Knowledge is key to enhancing your success, so do your research thoroughly, talk to your doctor, and take some time to read as many articles as you can find.

In the meantime, we have listed some of the most frequently asked questions with some quick-fire answers, just to give you an idea of what to expect.

What exactly is IVF in a nutshell?

IVF is the process of fertilization by combining an egg and sperm in a laboratory dish, and then transferring the embryo to the uterus.

How long does IVF take from start to finish?

An IVF cycle can take up to 2 months to complete. Every person is different though and your doctor will discuss the best plan for you. However, to give you an idea, the basic outline of a cycle is as follows:

  • Pre-Cycle Appointments and testing
  • Down regulation: 2-4 weeks
  • Ovarian Stimulation 8-14 days (start of treatment)
  • Monitoring: Starting Day 5 of stimulation
  • Trigger Shot: Between Day 8 and 12 of stimulation
  • Egg Retrieval: 36 hours after the trigger shot
  • Embryo Development in the Lab: 2-5 days
  • Embryo Transfer: 3-5 Days After Egg Retrieval
  • Pregnancy Test 2 weeks later

Treatment timelines will need to be adjusted based on how each patient responds to their medication.

Do I need to take time off work once I start treatment?

During stimulation, you will need to have appointments at your clinic every other day to monitor the development of your follicles and hormone levels. The monitoring stage can take up to 10 days, so you may suffer some disruption at work if you can’t get an early appointment. You will need to take the day off work for egg retrieval, and although not necessary, you may also want to take a couple of days off once you have had the embryo transfer.

Will there be a huge number of drugs and injections to take?

The amount of medication and frequency of injections is different for each person.

Before stimulation starts, you may be given the oral contraceptive. To suppress your ovaries, you will be given drugs in the form of a nasal spray or daily injections. Once downregulation is complete, you will be required to inject follicle-stimulating and ovulation regulating hormones each day via small needles.

The needle is very small, and most women are surprised at how painless the daily shots actually are. The day after egg retrieval, you will be given Progesterone supplements or injections.

Will drugs affect me mentally and physically?

Not everyone suffers from side effects. However, you will be taking hormone injections, so you may feel emotional during treatment. It is not uncommon for women during down-regulation to experience headaches, night sweats, and mood swings. During stimulation, you may feel bloated and mildly uncomfortable.

How likely is IVF to work?

Statistics are always getting better but the percentage of IVF treatments that resulted in a live birth is about 35% for women under 35.

Can I exercise during IVF?

Thrashing it out in the gym can be damaging to fertility as is doing too little exercise; it can trigger the release of the stress hormone cortisol, which can interfere with reproductive functions.

Can I drink alcohol during my IVF?

Studies have shown that alcohol use in men or women during an IVF cycle can have a negative effect on cycle outcomes, specifically failure of fertilization. For this reason alone, most doctors say stay away from alcohol.

What can I do to get ready for my IVF?

You can plan three months ahead because an egg’s cycle takes 90 days, so what you eat, drink, breathe in, how you treat your body and the health of your blood flow can affect the egg’s health. It makes sense to give your body the nutrients it needs as the eggs develop and reduce the stress that comes your way.

Alternative therapies can give your body and mind a boost too. The life cycle of sperm, from production to maturation ranges from 42-76 days and so it is equally as important for men to make a plan for increasing fertility and boosting sperm health at least 2-3 months prior to giving sperm for IVF.

How long do I have to wait in between cycles if one fails?

**NOTE: IVF is a rapidly changing medical treatment and the answers contained herein are provided on the basis of articles copied off the internet. Release My Super has no medical experience and you should always get all questions relating to any medical procedure answered by a registered medical practitioner. You should not rely on the answers to questions contained herein or act as though they are definitive or expert opinion or fact.

Release My Super does not receive any third-party payments from ANY of its partners.

If you have any questions regarding releasing superannuation savings for IVF, mental health and addiction treatment contact Release My Super on 1300 090 261 or ring Kathie Baker direct on 0475 471 872.

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