Reconstructive surgery is classified as improving bodily function and performed only on abnormal structures of the body caused by congenital defects, developmental abnormalities, trauma, infection, tumours or disease amongst other health issues and concerns. These are scaled on a reconstructive ladder by Surgeons to describe the complex management of wounds. While there are some variations in the ladder, it largely remains as:
Rung 1: Healing by Secondary Intention
Rung 2: Primary Closure
Rung 3: Delayed Primary Closure
Rung 4: Split Thickness Graft
Rung 5: Full Thickness Skin Graft
Rung 6: Tissue Expansion
Rung 7: Random Flap
Rung 8: Axial Flap
Rung 9: Free Flap
All Reconstructive Surgeries eligible for ERS Funding are on the advice of Specialist Plastic Surgeons trained under the Royal College of Plastic Surgeons. Claims are considered eligible if they fall under the category of extreme pain and anguish associated with patient health conditions. These conditions will be causing undue harm to patients resulting in the increased mental and physical pain and suffering. Untreated conditions can lead to worsened effects on patient livelihood.
SuperCare aims to help patients overcome their mental and physical anguish associated with their conditions by facilitating access to the Early Release of Super Scheme via the Australian Taxation Office (ATO) so that, upon receipt of the ATO's approval, patients may approach their superannuation fund trustee for the early release of superannuation. Some of these conditions include:
- Cancer including Mastectomy
- Otorhinolaryngology concerning cancers and benign tumours of the head and neck
- Breast Reconstruction following Mastectomy or Lumpectomy
- Apron Effect (circumferential excess) associated with inflammation and infection
- Sagging and pulling of skin post bariatric surgery
- Trauma as a result of accidents or injury
- Scarring caused by severe burns, accidents or injury
Please note that the superannuation fund trustee may refuse to release the superannuation funds based upon its own policies, despite receipt of an approval from the ATO.
It is possible to use superannuation funds to pay for some medical procedures for family members - so long as the family member is eligible pursuant to the Superannuation Industry (Supervision) Act 1993. For further information about the eligibility of your family member(s) as well as the types of medical services available to eligible family member(s), please contact us.
To find out if your condition is eligible under the ERS Scheme, please complete our online enquiry form or call 1300 665 440.
SuperCare's specialised service assists individuals and family members with their applications to the Australian Tax Office (ATO). Upon receipt of an approval from the ATO, our clients can make an application to their superannuation fund for the early release of superannuation for medically required Plastic Surgery to reduce mental and physical pain and suffering associated with a number of medical issues.
SuperCare works in conjunction with many of Australia’s top Specialist Plastic Surgeons to ensure you have access to the best medical professionals available.
It is possible to use superannuation funds to pay for some medical procedures for family members - so long as the family member is eligible pursuant to the Superannuation Industry (Supervision) Act 1993. For further information about the eligibility of your family member(s) as well as the types of medical services available to eligible family member(s), please contact us
Disclaimer: All information is in accordance with information from the Australian Society of Plastic Surgeons. SuperCare aims to be as transparent as possible when it comes to the education and accreditation of our associated surgeons.
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I had the pleasure dealing with Rossana. I'd like to say she made the process stress free. She was very understanding, polite and professional. She was available any time I needed he. So thank you for all your help.
I wanted to take some time this evening to provide some feedback regarding my recent experience with Supercare.
I can't begin to express my gratitude towards Catherine for making this the most stress free process for me. From the get go, Catherine was helpful, friendly and extremely easy to get in touch with during this process. Nothing was to big a ask for her and she made each step of the process easy to follow and understand.
Our IVF journey can now start with a much clearer mind, all because one of your representatives took the time to make this an easy straight forward process for us
I wish to thank Catherine and wish her all the best for the future
I just want to say it was an absolute pleasure dealing with you throughout my application. You're an amazing person making me feel very at ease with all necessary steps that needed to be taken.
You are a great asset to SuperCare, making less worry for myself. Thank you for your guidance and making everything go smoothly!
It was an absolute pleasure speaking with you throughout my application.
Thank you very much!
I am writing about my experience with Hala who helped me with an application for Early Release of Super for IVF:
My consultant was professional, friendly and approachable. Without her, I would not have been able to complete the application as it was daunting and stressful. My consultant was reassuring and made the application process manageable and stress-free.
Hala was very knowledgeable, took the time to answer any of my questions, and provided much needed guidance to get through this process. I cannot thank my consultant and SuperCare enough, they truly do amazing work!
I would like to thank Gabrielle and Super Care for a speedy and hassle free process to have my Superannuation released for some much needed Dental work, with step by step instructions from start to finish, Gabrielle made it easy and stress free.
Thanks Gabrielle and Super Care!
I just wanted to take the opportunity to thank Catherine and the amazing team at SuperCare. I cant thank you enough for your help and amazing guidance throughout the entire process. So very thankful for all your help. Cannot recommend SuperCare enough.
Sonia, Thank you so much for everything you and the team has done for me. I couldn't have done this without you! You were so incredibly efficient, always available to help and so supportive during such a stressful time and I can't thank you enough.
The funds will now enable me to start another cycle on Monday - the timing couldn't be more perfect.
Thanks again! I am so grateful of your help.
I just wanted to say, a huge Thank you to Catherine. I have done two rounds of IVF and paid in full with no discount to Queensland Fertility Clinic. (They didn’t even let us know we could access our own money)! I transferred to Monash, who informed my husband and I that we could use our Superannuation.
Over the last 4 months her dedication, commitment, follow up with phone calls and e-mails have been outstanding. My husband and I own 5 companies and he was even saying how good she was. I was happy with every process (and it is not a small one). Her e-mails are stated step by step process, she rings and follow-ups and gives you little tips along the way! Friendly, approachable and even when she couldn’t get back to you asap, she lets you know!
She knows her job and the client. This is a very emotional and expensive treatment, IVF and all the help you can get is much appreciated.
Thank you, Jenny for making my application such an easy and stress free application. Step by step, everything was always explained and I was continually kept up to date about the progress. Thank you for always being in contact and not leaving me thinking what next? Dealing with you, was like been looked after by a friend. Getting the news about my approval was the best news. If your thinking about going through SuperCare, do it!
Thanks again for all your help.
I wanted to thank you very much for all your assistance in helping me organising my early release of my super for my operation.
You made everything so easy, with your detailed instructions. When I needed extra help or had any questions you were quick to answer and action. I couldn't have done this without you.
SuperCare from the beginning where very helpful, and prompt with advising on what needed to be done.
Thanks again for all you have done, I will definitely be advising anyone who wants to do the same, to go through you and your services.
I was extremely happy with my experience using Supercare, They made the process very easy, I was given step by step instructions and Marah followed up regularly with updates on the progress of my application until the successful completion. I wouldn't hesitate to use Supercare again.
Hala has been looking after my ivf super application and has been amazing. She has gone above and beyond and has worked so hard. Hala has kept me updated throughout every step and helped answer all my questions. I would really like to extend my gratitude and compliments to her for all her help. Just wanted to let you know what a fabulous staff member you have in her and think she should be commended for her hard work.
Charise, It’s been fantastic knowing that I don’t have to worry about the status of my application because you’ve not only been on top of it but also communicating where it’s at. Communication is so rare these days so to know that my application was considered important to you has been brilliant. You’re a big asset to that company. I have a couple of friends thinking of going through the process so I’ll certainly be handing them your details.
What a wonderful and stress-free experience this was! I was really hesitant and I had no idea what I was doing. Marah was fantastic! She stepped me through every process and kept me informed the whole way. Money is in the bank already! Thanks again for your help and a great experience.
I wish to express my sincere thanks and appreciation for the fantastic work of Sonia and the service she has provided. My experience has been such that I will recommend Supercare to others.
I don't usually write emails but I have to say thank you to Cody and the kind people at SuperCare for all of the information and making easy for me. Bless you all.
Cody, you recently helped me to apply to the ERS to attain funds from my super account to pay for my partner's funeral. I would just like to personally thank you for all your patience and help - it certainly didn't go unnoticed. I wish you well and once again THANK YOU
To all at SuperCare,
Just a note of thanks for helping us with our application. It's a difficult time for us and your care and support is greatly appreciated.
Jenny, a true professional. An absolute angel! She was without a doubt brilliant. No words could describe how supportive and crucial throughout this process she has been!
Jenny was so delicate in the words she chose, so relaxing the conversations, allowing me to voice questions as they arose, a friend rather than a client. After our initial conversation, the entire process took just over a week for paperwork and medical certificates. Once submitted, I received my confirmation to utilise my superannuation funds on the second day….. I am going to be a mother!
Experience counts, SuperCare Australia and Jenny has plenty of that! Truly an amazing person. You can tell this is more than a job to her. So grateful to have used this service indeed.
How wonderful their job is … helping people like me have babies!
Thank you kindly!
Chloe from SuperCare was absolutely wonderful. I was able to build up trust with Chloe in a short time frame. I found Chloe responsive, confident with answering questions I had, followed up queries quickly and made the whole process of accessing my super a stress and worry free. The approval process from start to finish was 4 days and I had my money in my account in 10 days! Highly recommend Chloe from SuperCare. Kylie one happy client.
Thanks for helping me get this life changing surgery.
I am so grateful for the help I received from Jenny. I left my application process quite late, as I was due to start my first IVF Cycle not long after I made contact with SuperCare. Jenny was always friendly, helpful, and most importantly FAST in helping me get all of my documents and medical material in order, and my application approved.
I wouldn’t hesitate to recommend both SuperCare, and Jenny in particular, for anyone needing to make an application to access their Super early on compassionate Grounds.
Thank you for all of your help! It took the financial stress out of an otherwise stressful time for me!
I just wanted to pop you an email to let you know how happy i was with the service that Jenny Vella provided to me with my Supercare Application last month. She made the confusing and time critical process for me exceptionally easy, and i felt very comfortable talking to her about my concerns with my application and asking her opinion on certain aspects of it.
She made me feel like i was her only client, and that i could call her whenever i needed to if i had any questions. She also emailed me a step by step 'to do' list so i could see exactly what i needed to do ahead of time to speed up the process.
I will have no hesitation on using Supercare again in the future if i need it, however i hope i wont have to :)
Thanks again to Jenny for making my application a positive experience!
Tia from SuperCare was AMAZING, she made everything so easy and was in contact with me throughout the whole process, keeping me in the loop, what I needed to do. I cannot thank Tia and SuperCare for going over and above my expectations, it has made this process a whole lot easier & stress free, the turnaround time was so quick. All I had to do was to make sure my details and any details required was correct and they did the rest. Thank you Tia and Thank you SuperCare for offering this service and for genuinely caring & looking after your customers.
I found Gemma amazing alway happy and nothing was ever too much so a huge thank you to Gemma keep doing what you are doing.
I would just like to say a huge thank you to the team at SuperCare for their help and expertise.
My consultant Gemma has been an amazing support and her knowledge and persistence has got me the results i so desperately needed. Gemma has been so patient and determined and her communication has been outstanding!!
Thanks again, I am beyond excited
I chose to use Supercare to apply for early release of my super for IVF as some friends had recommended it due to the ease of the process. I was a little unsure at first because it's a significant amount of money, particularly for me as someone who didn't have much. I thought about doing it myself, but in the end I thought going with a company who do this every day would give me a greater liklihood of my application being approved because they would be able to ensure the i's were dotted and t's crossed in a way that I could not. And essentially, if I didn't do the application properly myself or missed something or didn't understand something it could either mean delays to my treatment (which I couldn't afford in terms of age) or being denied access to my super for treatment (which would mean that I would never have the opportunity to try for a baby). Really, using my super would be my only opportunity so it was very high stakes for me.
Not long after I registered with Supercare, I was contacted by Jenny. I was pretty nervous and she just instantly made me feel comfortable. She was positive, happy to answer any questions, very personable, reassuring, and made me feel very comfortable. She was clear in the process and what I needed to do which was very helpful. It was clear that Jenny is very passionate about her job and she's very good at what she does. Within hours of speaking to her, I realised that engaging supercare to apply for early release of super funds for IVF was the best decision I could have made. It became apparent that the amount of paperwork required to access super through compassionate grounds would have been incredibly overwhelming to handle on my own. Every day I just felt incredibly grateful to have someone so knowledgable, kind, and passionate guiding me through the process, letting me know the next step, kindly re-explaining when I was overwhelmed by it. Jenny understands what a big deal it is, it was like having my best friend!
Just wanted to take the time out to thank Yvette from your SuperCare team for helping me out on my Early Release of Superannuation claim. She has done a awesome job & now I'm on my way to living a better & healthier life. Wishing your team all the best for the future.
Just a quick email to let you know how easy and fast Jenny made my application process.
I am not the smartest person, but she made my application a breeze.
An absolute pleasure to deal with.
Just wanted to tell you that you are the best.
You made this whole process so much easier and less stressful.
You were amazing from the start taking your time to go through the process with me answering all my silly questions and just being genuinely helpful from the start to the finish.
You called me when you said you were going to it was like you knew how stressed I was going through this and you wanted to make me feel at ease and that is what you did.
I just want to let you know that your great at your job your knowledge and assistance is amazing and that you just made me feel so important and I thank you for that.
I wish you all the best and I would differently not hesitate to send customers your way.
Thank you Elizabeth for all your help.
I am glad to share my excellent experience with team of Super Care. I understand fee charged is very reasonable and there is nothing like experiencing such an incredible support to get access to Super in your need of hour and where you feel like we have got stuck to help ourselves in life.
The service I experienced with Yvett was efficient in manner of time and accessibility. She responded immediately whenever I contacted her whether by phone or email. She conveyed all information accurately and step wise with details to focus carefully. I was surprised in getting ATO response just within 24hr.
I highly recommend People like Yvett should be there in team of super care so that People get perfect guidance to access funds in tough times.
I would just like to let you know that Yvette has been amazing to deal with. She was prompt, personal and very friendly. She put me at ease with all my questions and answered everything i asked. I would recommend her to anyone i know.
Infertility coupled with financial stresses was overwhelming. Then I found Rosanna at Supercare! She provides prompt communication, simplifies the convoluted processes and guides you through from start to finish. Rosanna took the stress off my plate so I could focus on my IVF journey. She assisted me to successfully get pregnant through one round of IVF and I could not be a mother today without her help. I am truly grateful for both her professionalism and for her warm approach.
I have been dealing with an exceptional employee Tullah Marsh, from the set go Tullah has been very informative and efficient with her communication and always keeping me informed every step of the way.
Was always impressed with her fast email responses and call backs. Felt safe and trusted her.
Please pass on my thanks and you have a dedicated employee having her on board.
I would like to thank your company with helping me with accessing my super. I would especially like to thank Yvette for all of her assistance throughout the whole process. She kept me informed at all times and helped me when I needed assistance.
I would like to say thank you for helping me on my journey to get my husband's superannuation's early release.
Jenny was so helpful and professional. It was such a great experience working with her. She answered all of my questions and the step by step procedure was easy to follow.
She is such a lovely person, you are so lucky to have her.
Wanted to pop through some feedback on my recent experience working with Jenny Vella...as expected she really did go above and beyond to ensure the entire process was as smooth sailing as possible.
Her bubbly personality and caring approach to the (thousand) steps involved in lodging an application made the experience stress-free and dare I say, even enjoyable!
Another huge thank you, to you, Jenny (and previously Catherine) for helping with what could be considered a stressful step in a daunting process - I really appreciate it!
I wish to thank all the staff at my super care for all the help they gave me and in a quick and professional way.
I would highly recommended all the staff who helped me process my claim. Elizabeth I can not thank you enough in your kindness and professionalism with all my questions.
We, would like to take this opportunity to say thank you to Gemma for everything that she has done for us, we are so grateful for getting Gemma as our case officer, she has gone above and beyond the call of duty for us and made us feel that we were her only clients. Gemma can definitely wear her heart on her sleeve, she has gone the extra mile and made us feel special from the get go.
Gemma is a real asset to SuperCare.
My Supercare is such a wonderful company that does all the hard work for you on getting your super released early. I can't thank them enough for being approved so quickly.I especially want to thank Haley who is so professional in every way in the process. She kept me up to date and she contacted me when my application had been approved. I would highly recommend this company if your trying to get your super released early. Haley made the whole process so much easier which was great. She helped me with all the paperwork and the application process. She is amazing.
Once again thank you.
I would like to say what a gem you have in Hayley.
She has been so supportive and patient with me. We hit a hurdle that she quickly overcame and her support for me has meant everything.
Supercare is an amazing company to deal with and from the first contact I have been overwhelmed with the support provided.
Thanks to all who have been with me on this part of my journey. You will never know how much this is going to change my life. I can never say thank you enough.
I just wanted to drop a quick note about Gemma helping us out with accessing our Super for my procedure. She made everything stress free and nothing was an issue. Super fast with replying to my emails or phone calls and always cheerful and happy to answer anything I asked.
Thanks again Gemma!
SuperCare’s unique and innovative service provides assistance to individuals and their families in times of need. We do this by facilitating your application for early release of superannuation with the Australian Tax Office so that you can then apply to your superannuation fund for this early release.
Please note your fund trustee has a discretion to decide whether or not it will release your superannuation according to its own policies. Should the trustee agree to release your superannuation, you are able to use those funds to pay for medical treatment or funeral expenses that you would otherwise be unable to pay for.
It is possible to use superannuation funds to pay for some medical procedures for family members - so long as the family member is eligible pursuant to the Superannuation Industry (Supervision) Act 1993. For further information about the eligibility of your family member(s) as well as the types of medical services available to eligible family member(s), please contact us. SuperCare’s role is to facilitate the application process to the Australian Tax Office (ATO), which is vital to your application to your fund for the early release of your superannuation, by providing the following services: