Question 1

Does gastric sleeve or gastric bypass automatically qualify?

Accepted Answer

No. Procedure choice alone does not determine eligibility; the ATO assesses the individual evidence against its criteria.

Question 2

Who decides whether super can be released?

Accepted Answer

The ATO assesses compassionate-ground applications; if it approves an amount, the super fund then applies its own release rules.

Question 3

How many medical reports are usually required?

Accepted Answer

Two separate reports, including one from a specialist in the relevant field, signed and dated within six months of the application.

Question 4

Can FNQ Weight Loss submit the application for me?

Accepted Answer

No. The applicant applies directly to the ATO. The clinic may provide relevant clinical information or an itemised quote where appropriate.

Question 5

How long does the process take?

Accepted Answer

Timing varies. Check current ATO and fund guidance and do not book treatment assuming funds will be available by a particular date.

Question 6

Could early release affect tax, retirement savings or insurance?

Accepted Answer

It may. Individual implications vary, so check with the super fund and an appropriately qualified adviser.

Accessing super for weight-loss surgery