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  1. #61
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    Hi @Lozz91...I did apply to access my super for IVF myself instead of using Supercare. I just couldn't justify their fee when I could do the application without them. I was indeed successful multiple times. I posted on how to lodge an application in a different thread, but to assist I will post a copy of the message here if it will assist you. Bestest wishes xoxo

    "Hi..Ok sorry this might be a long post. I'll try keep it as succinct as possible....

    How to Apply for an Early Release of Super
    There are 3 steps:
    1) Centrelink
    You need to obtain access to a Centrelink online account. And you need to get your ID verified at Centrelink. To do this (if you do not have one already) please go in person to your local Centrelink with ID. Ask to have an online centrelink account set up and also link it to your ID. Best not to go in on pension day as they can get busy then. Sometimes you will need to go back as they can make errors. It took me 3 times to get it sorted out. Get them to test it at Centrelink before you go. It will save you going back

    2) Then you need 2 completed forms your GP or IVF dr; and, a psychiatrist (not psychologist or counsellor).

    The form can be found at:

    https://www.humanservices.gov.au/customer/forms/mo017

    First the psychiatrist:
    The only reason you can get access to your super for IVF is if you are defined as "having an acute or chronic metal illness" and have it verified by a psychiatrist . It might sound shocking if you have never been to a metal health professional.....but honestly with the pressure of IVF and facing the possibility of not having a much wanted child, the financial pressures, family pressures (etc) a psychiatrist can diagnose anxiety and depression based on circumstances. I would suggest ask your IVF clinic for their list of recommended psychiatrists. Go through the list and call them up and see if they do Early Release of Super applications (I can recommend you someone if you are in Victoria). Once you find one...get a referral to your chosen specialist from your GP that way you can claim the cost of the session(s) from Medicare. At your session...do not hold back. Be honest about about the difficulties. Tell them about how you feel about the pressures....all the pain and horror of it all. IVF is a difficult isolating situation and the psychiatrist is just taking note of the situation. Once they complete the form they will also complete a short report for you to give to Department of Human Services.

    Your GP/IVF specialist
    Next you need the same form completed by your GP or IVF doctor. They too also need to tick the reason for applying is "having an acute or chronic metal illness" on the same form and tick public medical treatment is not appropriate (as in many instances it is not reasonable to wait 6-8 months given age is a factor in IVF). Once you have the report from your psychiatrist you can show your GP or they will also send a report to your GP. Most IVF specialists will be familiar with this process too, so you could ask them to fill out the form. They do not need to complete a report, just the form.

    3) You need a quote from your IVF clinic for the amount of funds you need. It will be for 1 round only. This is the easy part.

    More info can be found at: https://www.humanservices.gov.au/cus...superannuation

    Once you have all this information, lodge an application via the Centrelink online - under the "personal details" section on the side tool bar - you will see a link to lodging an early release of super. Fill out your details including info about how much is in your super account, details about you and your super account and scan in the forms and lodged them online.

    DHS has 30 days for the application to be processed and sometimes they ask for additional information so it an take longer. So please be prepared to wait. Whilst you only apply for one ivf round at a time, all the forms are good for 6 months from the day they are dated so your can use them again for your next cycle and the one after that (etc). ***However please note you will need a new quote from your clinic for each new round to submit with each new application, however please note this is pretty easy to get***

    I hope this information helps and if there were any questions, happy to answer any questions.

    Please don't give up..IVF is tricky at the best of times and it can take many rounds to get a BFP...my current specialist who deals with a ton of difficult patients like low AMH said it could take me 5-9 rounds and that with their low AMH patients this was the norm with own eggs. The use of super has allowed me to try and try again. Oh and also Vitamin D has helped too
    http://aboutplanb.blogspot.com.au/p/...fertility.html

    Alternatively I also did consider using a bulk billing clinic, like Primary IVF, using a protocol which had worked well on me already. I think it is great you're getting a 2nd, 3rd or even if you're getting a 4th opinion to find the right doctor for you...never feel pressured into anything...you always have options whether it be a different protocol, super access, different clinic, supplements, more tests...I found with each different thing I tried I felt my situation improve slowly. Hang in there. I think one of worst things is to feel you don't have options. Any questions happy to chat.
    Best wishes. xoxo"

    Last edited by Etalanta; 15-06-2017 at 22:21.

  2. The Following 3 Users Say Thank You to Etalanta For This Useful Post:

    georgieh  (25-04-2017),kuwtk  (24-04-2017),Lozz91  (24-04-2017)

  3. #62
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    Thanks @Etalanta that is very very helpful - I agree, why pay $1000 for someone to do the work for you when it isn't really that full on. Glad to hear you were successful. Supercare did say though that they could get multiple cycles payment in one go. I will have a go at that when I apply.

  4. #63
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    Also, @Etalanta what psychiatrist do you recommend in Victoria? Thanks again

  5. #64
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    Quote Originally Posted by Lozz91 View Post
    Also, @Etalanta what psychiatrist do you recommend in Victoria? Thanks again
    Hi @Lozz91....just sent you a PM with the details of the dr.

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    Lozz91  (21-05-2017)

  7. #65
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    @Etalanta would you mind sending me the dr details too please?!

  8. #66
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    Quote Originally Posted by kuwtk View Post
    @Etalanta would you mind sending me the dr details too please?!
    Hi @kuwtk....happy to do so. Just sent you a PM. Best wishes xo

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    kuwtk  (25-04-2017)

  10. #67
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    Hi @Lozz91,
    I have replied earlier but just thought I would add that in some cases you don't need the psych report. When I first applied to DHS I had only my Fertility Specialist's report and my GP's report. I was applying for the cost of surgery plus an IVF cycle. I had done previous IVF cycles but was unsuccessful. My FS included this in the report, also explained that I needed surgery to remove one or both my tubes due to damage from endometriosis and this surgery would increase my chances of IVF. Also said that once the surgery was completed and if it was found that both tubes had to be removed (which ended up having to occur) then I would be 100% dependent on IVF. My private heath insurance also had to provide a letter stating what they would cover in regards to the surgery and the IVF cycle which would follow. Anyway, best of luck with everything and I hope you get your results soon


    Quote Originally Posted by Lozz91 View Post
    Thanks @Etalanta that is very very helpful - I agree, why pay $1000 for someone to do the work for you when it isn't really that full on. Glad to hear you were successful. Supercare did say though that they could get multiple cycles payment in one go. I will have a go at that when I apply.

  11. The Following User Says Thank You to rbmv227 For This Useful Post:

    Lozz91  (21-05-2017)

  12. #68
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    Does anyone know how it works with the tax on the withdrawal? I know it's taxed at 22% but just wondering if the cost of treatment is $10k, does the super fund take the tax on top of the $10k or if I'll get a tax bill of $2200? Thanks

  13. #69
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    Quote Originally Posted by georgieh View Post
    Does anyone know how it works with the tax on the withdrawal? I know it's taxed at 22% but just wondering if the cost of treatment is $10k, does the super fund take the tax on top of the $10k or if I'll get a tax bill of $2200? Thanks
    Hi @georgieh...the tax was taken out of my super. For example if $10K was required for ivf, an additional $2.2K was taken out of my super ($12.2K in total) to pay the tax and ivf. Hope that helps. xo

  14. The Following User Says Thank You to Etalanta For This Useful Post:

    georgieh  (25-04-2017)

  15. #70
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    Sorry for another question, I'm currently doing research. I am thinking of applying directly to Dhs myself to save some money. I read somewhere about a virtual doctors surgery called gp2u and they have psychiatrists. Has anyone heard about them competing the required forms? If not, has anyone consulted one by phone or Skype? Thanks


 

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