If you or a loved one needs urgent addiction treatment but cannot afford the costs upfront, you may be eligible to access your superannuation on compassionate grounds. This option allows you to fund your recovery without unnecessary delays, ensuring you receive the care you need when you need it most.
Immediate access to treatment
No need for upfront payment
Government-approved funding option
Covers detox, rehab, and aftercare
Superannuation funding is a government-regulated option that allows individuals to withdraw part of their superannuation early if they can demonstrate that addiction treatment is necessary for their health and well-being. One of the more popular funding options with our clients, early super access makes immediate access to our detox and sobriety programs far more accessible.
The application process involves obtaining medical certification from a registered doctor confirming that rehabilitation is an essential medical treatment. Once approved, the Australian Taxation Office (ATO) releases the funds directly to the treatment provider, ensuring that the costs of detox, inpatient rehabilitation, and relapse prevention are covered.
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Early access to superannuation can remove cost barriers to addiction treatment and recovery. This funding pathway may cover detox, rehab, and aftercare — helping you begin treatment without loans, delays, or debt. Our superannuation partners can help you access your super by applying for it under compassionate grounds.
Superannuation funding is a regulated and structured pathway that provides access to addiction treatment without waiting periods or loan obligations.
To access superannuation for addiction treatment, you must meet specific criteria set by the ATO and provide supporting medical documentation.
More than half of prospective clients don’t have insurance, but that doesn’t mean treatment is out of reach.
Superannuation is one of the most commonly used funding solutions. If you’re eligible, we’ll help you access your super quickly, with guidance and documentation tailored to your situation.
Super can be used for structured detox or inpatient rehab, including accommodation and clinical support. Your rehab costs depend on your chosen program and facility. We’ll guide you through the application process and provide a tailored cost estimate.
Find out if you’re eligible to access your superannuation for addiction treatment. Contact us to discuss your options and take the first step towards recovery.
The Hader Clinic has been a fully accredited addiction treatment provider since 1997. We comply with government health standards and are trusted by leading healthcare organisations to provide effective and compassionate care.
Using superannuation to access treatment gives you flexibility across both of our locations: hospital-based care at our Geelong facility and residential rehab at Essendon. Whether you need urgent medical detox or a longer-term recovery program, your super can help you access the right setting without financial delay.
Our team is here to help you explore superannuation funding and begin treatment as soon as possible.
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Yes — superannuation funding is accepted at both our Geelong and Essendon facilities. You can use it to pay for detox, inpatient rehabilitation, or residential treatment, depending on the program you choose. Our team will help ensure your funding is correctly applied to your selected location and treatment plan.
To access your super for treatment, you'll need:
We’ll support you through each step, including collecting and preparing the documents needed for approval.
Yes. If your superannuation balance doesn’t cover the full cost of treatment, you can use it to fund part of your stay. We can then help you explore other options — such as payment plans — to cover the remaining cost and ensure you can still access the care you need.
Applying for early release of your superannuation for addiction treatment involves several steps. First, you will need a supporting letter from a registered medical professional stating that rehabilitation is essential for your health and well-being. This letter, along with an application, is submitted to the Australian Taxation Office (ATO) under compassionate grounds. Once approved, the funds are released directly to The Hader Clinic to cover your treatment. Our team is available to guide you through this process, ensuring your application meets all necessary requirements.
The approval process for accessing superannuation funds varies depending on the ATO’s processing times and the completeness of your application. On average, it takes two to four weeks for approval. To avoid delays, we recommend ensuring all documentation is accurate and submitted promptly. Our team can assist in preparing your application to help streamline the process.
Yes, in many cases, you can apply to access your superannuation to fund treatment for an immediate family member, such as a spouse, child, or dependent. The process is similar to applying for yourself and requires medical documentation supporting the need for treatment. If you are unsure whether you are eligible, our team can help assess your options and guide you through the necessary steps.
Superannuation withdrawals under compassionate grounds may be subject to taxation, depending on your super fund’s policies and your age. Typically, withdrawals are taxed at a concessional rate, but it’s best to check with your super fund or a financial professional to understand any potential tax obligations before applying.
If your application is not approved, there are still other pathways to fund your treatment. We can explore alternative funding options, including payment plans, financial assistance programs, or private health insurance coverage if applicable. Our goal is to ensure that finances do not become a barrier to receiving the help you need.
