Medical treatment or transport

If you are eligible you can apply for the early release of your superannuation benefits for medical treatment or transport expenses.

Eligibility

You may be eligible for an early release of superannuation for medical treatment or transport expenses if you or your dependant:

  • have a life threatening illness or injury, acute or chronic pain, or acute or chronic mental illness, and need assistance to meet the costs of medical treatment, which is not readily available through the public health system or covered by insurance, or
  • need assistance to meet the costs of transport to access medical treatment, and are not able to pay for these expenses without accessing your superannuation

You will not be eligible for an early release of superannuation for medical treatment or transport expenses if you or your dependant:

  • can’t work due to a medical condition and need assistance to pay living expenses, or
  • have medical treatment or transport expenses paid for by work cover

Supporting documents

Medical treatment

You need to provide the following reports to support your medical treatment:

  • 1 from a registered medical practitioner, and
  • 1 from a registered medical specialist qualified in the area of medicine relevant to the medical treatment

Each report needs to state that:

  • you or your dependant has a life threatening illness or injury, acute or chronic pain, or acute or chronic mental illness, and
  • treatment is not readily available through the public health system

The report needs to:

  • clearly show the doctor’s qualifications
  • be signed and dated, and
  • be no more than 6 months old when submitted

Medical transport

You need to provide the following reports to support your medical transport:

  • 1 from a registered medical practitioner, and
  • 1 from a registered medical specialist qualified in the area of medicine relevant to the medical treatment

Each report needs to state that you or your dependant has a life threatening illness or injury, an acute or chronic pain, or an acute or chronic mental illness.

One of your medical practitioners needs to also confirm in writing:

  • that transport is needed to access medical treatment
  • the type of transport, and
  • the treatment frequency, location and duration

The medical treatment and medical transport reports need to:

  • clearly show the doctor’s qualifications
  • be signed and dated by your medical practitioner, and
  • be no more than 6 months old

If you are applying to buy a vehicle to access medical transport and already have a vehicle, you need to provide:

  • confirmation of the trade in value of your existing vehicle from a relevant service provider, and
  • a written statement from a medical practitioner explaining why your existing vehicle is not suitable to provide transport to access medical treatment

You must tell us in your application if you don’t have a vehicle to trade in.

Evidence of dependency

Read more about who is considered a dependent and evidence needed if you are applying for an early release of superannuation to meet expenses for a dependant.

Quotes or unpaid invoices

You need to provide quotes or unpaid invoices from relevant service providers to show the amount you need to pay for the medical treatment or transport expenses.

The quotes or invoices must:

  • show any amounts claimable through private health insurance or Medicare, and
  • be within the relevant timeframe - quotes can be no more than 6 months old and unpaid invoices no more than 30 days old

Maximum release amount

The maximum amount that can be considered for early release of superannuation within a 12 month period is equal to 12 months of medical treatment or transport expenses.

What you need to do

To apply for an early release of superannuation for medical expenses, you need to:

Read more about how to apply.

Page last updated: 7 March 2016