1300 090 261
1300 090 261
1300 090 261

Accessing your Super

to pay for treatment

Release of superannuation for Mental Health Rehab Treatments

Am I eligible?

Is your mental health holding you back in life?

Mental health profoundly impacts every aspect of our lives, from our relationships and work performance to our physical well-being and overall quality of life. If you’re struggling with mental health issues, you’re not alone. Nearly half of all Australian adults experience mental ill-health at some point, affecting their ability to cope with daily stresses, realise their potential, and contribute effectively to their communities

When mental health challenges become overwhelming, they can:

  • Hinder your ability to maintain employment or perform well at work
  • Strain your relationships with family, friends, and colleagues
  • Affect your physical health and energy levels
  • Impact your self-esteem and decision-making abilities
  • Interfere with your sleep patterns and overall well-being

Don’t let financial barriers prevent you from seeking the mental health treatment you need. Early access to your superannuation could provide the resources necessary to invest in your mental health, potentially improving your quality of life and future prospects

Find out if you're eligible

Accessing Your Superannuation for Mental Health Treatment: Our Comprehensive Support

At Release My Super, we specialise in helping you navigate the complex process of accessing your superannuation early for mental health treatment. Our seamless, five-step approach ensures you receive the support you need:

  1. Free Eligibility Assessment: We begin with a no-obligation phone consultation to evaluate your situation and determine your eligibility for early superannuation release.
  2. Prompt Medical Appointments: We arrange immediate appointments with both a psychiatrist and a general practitioner to obtain the necessary medical documentation.
  3. ATO Application Submission: Our team expertly prepares and lodges your application with the Australian Taxation Office (ATO), ensuring all requirements are met.
  4. Superannuation Fund Liaison: We handle all communication with your superannuation fund and submit all required documents on your behalf.
  5. Fund Release: Once approved, the funds are transferred directly to your bank account, allowing you to proceed with your mental health treatment
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Eligibility Criteria for Early Superannuation Release

To access your superannuation early for mental health treatment, the Australian Taxation Office (ATO) has specific requirements that must be met:

  1. Psychiatric Assessment: A report from a psychiatrist is mandatory. The ATO now requires that “the registered medical specialist must be specialised in the area in which they are giving their opinion.” For mental health applications, this means a psychiatrist’s report is essential.
  2. Unpaid Expenses: The ATO only approves release for unpaid expenses. If you’ve already covered the cost through loans, credit cards, or borrowing from others, you may not be eligible.
  3. Financial Necessity: You must demonstrate that you cannot afford the treatment without accessing your superannuation. This includes exploring options like loans or using existing savings.
  4. Residency Requirement: You must be a citizen or permanent resident of Australia or New Zealand.
  5. Documentation: All required supporting evidence, including invoices or quotes, must be provided.
  6. Specific Eligibility: You must meet the eligibility requirements for the specific compassionate ground you’re applying under.

At Release My Super, we guide you through each of these criteria, ensuring your application is complete and compliant with ATO requirements. Our expertise increases your chances of a successful early release of your superannuation for mental health treatment.

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General Questions

Yes, you can apply for early release of your superannuation on compassionate grounds to pay for mental health treatment.

Your superannuation can potentially be used for various mental health treatments, including:

  • Private mental health rehabilitation programs
  • Outpatient treatment services
  • Psychiatric consultations

Other essential mental health treatment

We offer a comprehensive service that includes:

  • Assessing your eligibility
  • Facilitating access to medical specialists in psychiatry and general practice
  • Preparing and submitting necessary forms to the ATO
  • Processing your application quickly

Lodgement to the Superannuation fund and support through this process

Yes, you will need medical reports from both a General Practitioner and a Psychiatrist. The ATO requires certification that you are suffering from an “acute or chronic mental illness”. We can book you in for an appointment with our Psychiatrist and GP within 24 hours of commencing your claims process.

We manage the entire process efficiently to ensure it’s completed as quickly as possible. From your initial consultation with us, through to fund release into a nominated bank account, the entire process usually takes between 8 and 14 business days. These times are subject to change depending on the backlog with the ATO.

There is no set limit. The amount approved will depend on the cost of your necessary treatment and the balance available in your Superannuation fund.

Our team can help determine if your situation qualifies for early super release. You can contact them directly to discuss your needs and assess your eligibility.

Find out if you're eligible

Why Choose us

Immediate Psychiatrist and GP appointments

100% Approval rate with the Australian Taxation Office

170+ 5-star Google Review

We are proudly partnered with

Accessing Super

We work hard to help our clients gain access to their superannuation savings for life’s unexpected events.

Release my Super is more than a company – we are a team committed to assisting you to understand the rules around the release of superannuation.

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