If financial barriers are the primary obstacle preventing you from accessing fertility treatment, understanding your financial options and whether you meet the eligibility criteria for compassionate grounds release may open a meaningful pathway forward.
For many Australians pursuing fertility treatment, the financial aspect can feel as overwhelming as the fertility journey itself. While most people know that superannuation is designed for retirement, fewer understand that under specific circumstances, Australian legislation permits early access to these funds for medical treatments—including IVF, Obstetrics, IUI, donor programs, and related gynaecological procedures necessary for fertility treatment. This pathway exists not as a workaround, but as a legitimate compassionate grounds provision designed to support Australians when medical needs cannot wait.
How Access My Super Works: A Step-by-Step Guide
Applying for early release of superannuation on compassionate grounds involves meeting strict eligibility criteria set by the ATO. The process requires comprehensive documentation and approval before any funds can be released.
Step 1: Fee Estimates and Quotes (It’s best to begin the process after your initial consultation with your specialist)
To get started, you’ll need a fee estimate from your IVF clinic.
Step 2: Telehealth Psychiatrist Appointment
Access My Super arranges your psychiatrist appointment through our established network, typically within 24 hours. One part of the application process that often surprises people is the requirement for a psychiatrist’s report.
Understanding the Psychiatrist Requirement
It’s important to understand what this requirement means—and what it doesn’t mean.
This is purely an ATO regulatory requirement for accessing superannuation on compassionate grounds for IVF treatment. The psychiatrist consultation is:
• A one-off external assessment, not the beginning of ongoing psychiatric treatment
• Required to document that the financial barriers causing inability to access fertility treatment could impact mental health
• It’s not a reflection on anyone’s mental health status—it’s simply part of the legislative framework for all early release of super applications involving fertility treatment
Step 3: Telehealth GP Appointment Scheduled
We organise a GP consultation that provides supporting documentation that complements the specialist psychiatrist report, completing the medical evidence required by the ATO.
Step 4: Application Lodgement
Access My Super organises, prepares, and provides comprehensive administrative support for your entire application, ensuring:
• All documentation meets ATO compliance requirements before lodging
• The application addresses all eligibility criteria
• Nothing is missing that could delay processing
Timeline: 30-35 Business Days
From initial application submission to funds release, the typical timeline is 30-35 business days. This includes:
• Telehealth appointment scheduling
• ATO assessment and decision period
• Super fund processing and release of approved amount
Access My Super monitors your application throughout this period and ensures everything remains on track for timely processing.
Why don’t more people know about this option?
First, many people simply aren’t aware that the Australian Taxation Office permits early release of superannuation on compassionate grounds for fertility treatment specifically. Superannuation is often thought of as completely locked away until retirement, but the legislation recognises that some medical needs can’t wait decades.
Second, the application process involves quite a bit of administrative complexity—medical documentation, psychiatrist assessments, ATO applications—and many people find that overwhelming when they’re already managing the emotional demands of fertility treatment. That’s precisely why we established Access My Super: to provide specialised administrative support through the entire process.
The Financial Reality of Fertility Treatment in Australia
The costs are significant. A single IVF cycle in Australia typically ranges from $9,000 to $15,000, with many individuals requiring multiple cycles to achieve their goal of parenthood. When factoring in medications, additional procedures, and specialist consultations, the financial burden can quickly become unaffordable.
Research consistently shows that financial barriers are among the primary reasons people discontinue fertility treatment before achieving their goal. This is particularly difficult because time is such a critical factor—age-related fertility decline means that delays due to saving money can actually reduce chances of treatment success.
Early Release of Super for IVF on Compassionate Grounds
The framework acknowledges an important medical reality: that inability to access necessary fertility treatment due to financial reasons. We specialise in supporting individuals through the complex administrative process of early superannuation access specifically for fertility treatment.
By streamlining documentation, coordinating medical appointments with our established provider networks, and ensuring ATO compliance, we help remove the procedural barriers that can delay or prevent access to funds. This specialised support acknowledges that navigating government applications during an already stressful fertility journey can feel overwhelming.
What are some important things people should know before applying?
Several critical factors deserve careful consideration:
- Contact Your Super Fund First: Before applying, you must confirm your fund will release funds if approved, verify sufficient balance to cover treatment costs plus tax withholding and understand any fee or insurance implications.
- Seek Independent Financial Advice: This is a significant financial decision. Early withdrawal reduces your retirement savings and the compound interest those funds would generate. We strongly recommend independent financial advice to understand the long-term implications for your retirement planning.
- Approval Isn’t Guaranteed: Meeting documentation requirements doesn’t guarantee ATO approval. The ATO assesses each application against strict eligibility criteria. Applications may be declined if you have other means to pay for treatment or if medical documentation doesn’t meet their requirements.
That’s precisely why Access My Super operate on a ‘no approval, no fee’ basis— if the ATO rejects the application, we refund our entire service fee.
Are there any limitations on how much you can access or what it covers?
One of the key advantages for fertility treatment specifically is that there is no cap on the amount you can access.
You can also access your partner’s superannuation for your treatment in many circumstances. And importantly, accessing super for IVF doesn’t affect your Medicare rebate eligibility—you’ll still receive the full rebates your circumstances permit.
However, keep in mind that tax withholding applies to withdrawn funds, so you’ll need to account for that in your calculations.
Making an Informed Choice and Moving Forward With Clarity
Your fertility journey deserves to include all available options including Access My Super for IVF. If financial barriers are currently preventing you from accessing fertility treatment, understanding you have access to complete, accurate information to make the decision that’s right for your unique circumstances can make all the difference. Whether early release of super is appropriate depends on factors only you can evaluate: your age, fertility prognosis, financial situation, and personal priorities.
Access My Super is here to provide the administrative support and guidance through the process if you decide it’s the right path for you. Visit accessmysuper.com.au to learn more about eligibility and how we can help.
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Important Disclaimer: This article provides general information only and should not be considered financial, medical, or legal advice. Seek independent professional advice before making decisions about early superannuation access. Consult with your fertility specialist about treatment options specific to your circumstances. Approval for early superannuation release is at the sole discretion of the Australian Taxation Office.
Visit Access My Super for more information or to connect with us
IVF is often spoken about in medical terms protocols, embryos, transfers, statistics and doesn’t mention the emotional resilience which may be called upon during your IVF journey.
Behind every scan and every blood test is a human heart, carrying the weight of uncertainty, hope, grief, and longing.
Research shows that fertility treatment significantly increases stress, anxiety, and depression, with many women reporting higher emotional distress than in almost any other medical treatment.
That’s why resilience isn’t just a nice idea during IVF. It’s a survival skill. Resilience doesn’t mean forcing positivity or pretending everything is fine. True resilience is about having tools to return to when the rollercoaster feels overwhelming, so you can steady yourself and keep moving forward.
Why I Do This Work
I’m Adele O’Connor, a psychotherapist, clinical hypnotherapist, fertility coach, and podcast host. More importantly, I’ve walked the path of IVF and donor conception myself.
When I was going through treatment, I couldn’t find the emotional support I needed. The medical care was there, but the psychological toll felt invisible. That gap inspired me to retrain and create the kind of support I once longed for. Today, I combine evidence based counselling, hypnotherapy, and mind body practices to help women and families feel steadier, stronger, and more supported.
Clients often describe me as a steady light on a difficult path someone who brings clarity, compassion, and perspective when everything feels overwhelming.
1. Coping with Uncertainty
If there’s one word that defines IVF, it’s uncertainty. Waiting for fertilisation results, embryo grading, or pregnancy tests can feel endless. Research shows uncertainty is one of the biggest drivers of anxiety because the brain craves prediction and control.
Quick tool: Try the 3, 3, 3 grounding rule.
Name 3 things you can see, 3 sounds you can hear, and move 3 parts of your body.
This simple reset pulls your mind out of “what if” and into “what is.”
2. Managing Anxious Thoughts
IVF can amplify the inner critic: What if my body lets me down? What if I never become a parent? Left unchecked, these thoughts spiral.
Cognitive Behavioural Therapy (CBT) shows that writing down anxious thoughts and testing them against evidence helps break the cycle.
Quick tool: Write your thought, list the evidence against it, then create a balanced reframe. For example:
Thought: “If this transfer fails, I’m never going to get pregnant.”
Evidence against: “Many women need more than one transfer before success.”
Reframe: “This is one step, not my whole story.”
3. Reframing Setbacks
A failed cycle or cancelled transfer is devastating. But how you interpret that setback shapes your ability to keep going.
Neuro linguistic Programming (NLP) highlights the power of reframing: changing the meaning you give to an event shifts your emotional response.
Quick tool: Ask yourself: What’s the learning here? How might this experience help me adjust next time? This doesn’t erase grief, but it creates meaning alongside it.
4. Regulating Your Emotions
When the nervous system is on constant high alert, the body suffers. Sleep is disrupted, hormones are affected, and stress compounds.
Mind body practices like EFT tapping and breathwork have been shown to lower cortisol and reduce anxiety.
Quick tool: Place one hand on your heart, one on your stomach. Inhale for 4, hold for 2, exhale for 6. Repeat 5 times. This simple reset calms your body and helps you feel safer in the moment.
5. Self Compassion and Support
Many people in IVF pride themselves on being strong and independent. But isolation often makes the journey harder. Research shows self compassion is linked to lower anxiety and depression, especially during times of high stress.
Quick tool: Notice your self talk. If you wouldn’t say it to a friend, don’t say it to yourself. Replace “I’m failing at this” with “This is hard, and I’m doing my best.”
Support also matters. Counselling, peer groups, or even a trusted friend can make the load feel lighter.
Final Thoughts
Resilience during IVF doesn’t mean never crying, never doubting, or always staying upbeat. It means having tools to return to when things feel hard, so you can keep moving forward with steadiness and self compassion.
If you’re attending the Melbourne Fertility Expo on 8 November, come and connect with me.
I’ll be sharing more about how to build your own IVF Resilience Toolkit and offering practical strategies to help you navigate the emotional toll of treatment.
Free Resource: The Emotional Truth of IVF
If this blog resonated with you, I’ve created a free guide: The Emotional Truth of IVF, What nobody tells you about the thoughts and feelings you may face, and how to navigate them with more steadiness and self compassion.
Inside, you’ll find five journal prompts to help you calm your mind, process difficult emotions, and feel more supported. It’s the resource I wish I had during my own IVF journey, and I’d love to share it with you.
Head to my website www.ivfsupportspace.com to get your free download
Introducing CycleGuide: Your fertility treatment planning app
Dr Caroline Fiddler is a Doctor and the Founder of the CycleGuide app. At The Melbourne Fertility Expo, you’ll have the opportunity to meet Dr Fiddler and talk to her about how CycleGuide can help you with your fertility treatment planning.
Can you tell us about CycleGuide?
CycleGuide is an innovative, simple and intuitive app to help you organise your fertility treatment instructions.
It’s purpose-built with a pre-cycle checklist to help you prepare for your Day 1 and your IVF cycle (e.g. appointments, ultrasounds, medication). There are several helpful features, including:
• A calendar and a ‘to do list’, so you know exactly what you need to do for each day of your cycle.
• Colour-coded tasks for easy identification and visibility on the calendar.
• Notifications, which can be especially helpful with medication timing.
• Editing function so tasks can easily be deleted or edited (e.g. the duration of medication can be modified).
• Free text. Medication names and directions are entered by you, so that you can enter instructions in a manner that makes sense to you.
CycleGuide is also available for fertility clinics. You can simply enter your fertility instructions from your clinic, or the clinic can send instructions directly to the app on your phone.
Why develop CycleGuide?
I was convinced there had to be a better way to organise my fertility treatment instructions in a more modern, simple and portable manner. I also thought there should be a more direct method for fertility nurses to communicate vital, and sometimes complex, fertility treatment instructions to their patients.
What is CycleGuide’s mission?
There are so many unknowns during IVF. We want to help reduce the anxiety of IVF and help you be organised. CycleGuide helps you take ownership of the aspects of IVF you can control, e.g. following your treatment instructions correctly.
I also want to help fertility staff. As I doctor, I have often been frustrated by the inflexibility and clunkiness of hospital systems. CycleGuide can be integrated into existing clinic systems without the need for new software or upgrades. Treatment instructions can be sent directly from the clinic software to the app on patient’s phones without nurses having to re-enter information. This gives nurses certainty that patients have received the correct information in a timely manner.
Our aim is also to reduce delayed, incorrect or missed injections that may cause a cycle to be cancelled, or modified, leaving guilt or uncertainty for the patient, especially if the cycle is unsuccessful.
Can you share your journey to parenthood?
I never met Mr Right, and I moved around a lot due to medical rotations which is why I didn’t think about children until later on. I saw a fertility specialist when I was 38 to discuss egg freezing but I couldn’t face fertility preservation. In retrospect, it wasn’t explained to me properly. At 40, I saw another fertility doctor and started egg freezing. I asked a friend to donate sperm, and he very kindly agreed.
I had a growing concern however that my doctor wasn’t really invested in my results and that we were just doing the same, or similar protocols, with little direction. I changed fertility doctors to one recommended by a fertility psychologist and I have continued to see this doctor in Victoria. After 2.5 years of IVF, I am now fortunate to be the mother of my daughter Alice who is 20 months old.
I am now going through the process of egg donation from overseas because I have exhausted all of my frozen eggs and embryos. The use of overseas eggs is banned in Victoria, unlike the rest of Australia where it is legal. As such, my IVF team is liaising with a clinic in Albury, NSW.
What are the top things you wish people knew before starting IVF?
I wish all young women, especially those with demanding university degrees and careers, would consider freezing their eggs or visit a fertility doctor to discuss their fertility options.
Also, I encourage you to get a second opinion if you feel your doctor doesn’t have a plan for both short and longer term. It can be hard to tell why things aren’t working or are taking many months/cycles/years to work.
Finally, it can be very difficult to keep hearing pregnancy and birth announcements. There seem to be baby reminders everywhere. I just kept telling myself that I had started the process and to hang in there. It can be very tough though and I encourage you to chat to your fertility clinic for support.
What are you most looking forward to at the Melbourne Fertility Expo?
I’m really looking forward to meeting anyone considering fertility treatment and explaining how CycleGuide can help you with your fertility treatment planning. I’m also excited about being surrounded by enthusiastic fertility professionals and meeting my fellow exhibitors.
As the founder of CycleGuide, can you give us an overview of your role?
My role was to come up with the idea and to have the courage to pursue the app. I then collaborated with Appetiser Apps project managers and designers to create CycleGuide – Your fertility treatment planning app
I recall spreading all my IVF medications, paper instructions from various egg collections and embryo transfers (from different clinics and doctors), over a large table with Appetiser apps staff Jarrod, Sharon and Tovah. We met regularly to discuss the best way to design a simple, clear and flexible app.
For example, one key decision was whether to add a pre-populated list of IVF medications, with a drop-down list to choose from. But my concern was that medications change their name and branding, doctors have different preferences, and medications vary between countries. I liked the idea that patients could add their medications by a name or description that resonated with them. We decided to make it free text and free of medical lingo. Typing in the information also reinforces your treatment instructions to help you follow them correctly.
Where can people learn more about CycleGuide: Your fertility treatment planning app?
You can visit my website CycleGuide or follow us on Instragram @cycleguide ivf app. We’re also on Facebook, Pinterest and LinkedIn.
To download the app, visit CycleGuide: IVF Treatment Mobile App | Appetiser or the Apple store. It’s available in Australia and New Zealand: 7-day free trial, AUD $8.99/month and NZD $9.99/month. For clinics, there’s bulk discounts for 3, 6 and 12-month subscriptions per patient. CycleGuide is currently in progress for the UK, and our aim is to expand globally.
You can also contact me at caroline@cycleguide.com.au and contact@cycleguide.com.au
When a woman starts considering solo motherhood, it’s one of the most courageous and confronting decisions she’ll ever make. It’s not a backup plan, and it’s definitely not giving up on love. It’s choosing not to let time, circumstance, or the absence of a partner stand in the way of becoming a mum.
But while this path is empowering, it’s also filled with emotions that can be hard to put into words, especially in the early stages. That’s where her support network comes in.
Whether you’re a friend, family member, or colleague, here’s what women on this journey wish you knew:
1. She’s not “giving up”.
One of the most common misconceptions is that women are “giving up on love.” Nothing could be further from the truth.
She’s choosing to honour her biological timeline, her emotional wellbeing, and her desire for motherhood, without waiting for the perfect partner, or perfect moment. Even better, she isn’t rushing into a relationship just to have children, which might end up in co-parenting if she doesn’t take the time to ensure she has found the right person for her.
She’s not giving up; she’s stepping up.
If you want to support her, recognise the strength it takes to make this decision. A simple “I’m proud of you for doing what feels right for you” goes a long way.
2. Don’t say “just have a one-night stand”
This is one of the most common and insulting comments women hear when they open up about considering solo motherhood. It might be said jokingly, but it dismisses everything thoughtful, ethical, and deeply personal about this decision.
Suggesting she “just have a one-night stand” implies she should deceive a man into conceiving a baby – something no woman on this path would ever do. It’s not only unethical, but if she knowingly conceives with a man, he is the child’s father and therefore financially liable and legally entitled to custody, regardless of her intentions.
If she doesn’t know who the man is, that creates lifelong consequences for the child, who would grow up never able to access half of their genetic history or medical background.
Choosing to conceive using a donor is an act of responsibility, transparency, and love – for herself and her child. It ensures her child’s right to know where they come from one day and protects everyone involved legally and emotionally.
3. The early stages are the hardest.
The early stages of solo motherhood can be the loneliest. She might be processing grief for the life she imagined, fear about doing it alone, or anxiety about what others will think.
Don’t push for updates or ask how treatment is going – that pressure can feel enormous. Instead, make it clear that you’re there, judgment-free, whenever she’s ready to talk.
Try saying: “You don’t have to share anything before you’re ready. I won’t ask for updates, just know I’m here whenever you want to chat or a distraction.”
That small act of understanding can make her feel safe enough to keep going.
4. Don’t try to fix it.
Most women considering solo motherhood have already spent months (if not years) researching, questioning, and soul-searching. They don’t need advice; they need support.
What she needs are small, tangible gestures:
Drop off dinner during a treatment cycle.
Offer to pick her up from her egg collection.
Ask if she wants company for a scan or appointment.
She’ll tell you what she needs if she feels safe enough to do so, and offering ways you can help her will make it easier for her to ask.
5. Everyone needs a village.
When you become a solo mum, there’s no default co-parent. That’s why finding a like-minded community is so important — other women who get it, without explanation.
The right support network can make all the difference, and it doesn’t have to come from family alone. Online and in-person communities, like the Solo Mum Society Facebook Group, or the Bump membership, provide connection, laughter, support and reassurance that she’s not the only one walking this path.
Encourage her to find her village. Because when she connects with other solo mums, she discovers a world where she finally feels safe to express how she’s feeling without having to explain or justify it.
The bottom line
Solo motherhood isn’t a plan B — it’s a bold, beautiful choice to create life on your own terms.
If someone in your life is walking this path, the best thing you can do is stand beside her, listen without judgment, and remind her she’s not alone.
And if she hasn’t yet found her village, send her to Solo Mum Society — where empowered women become mothers, and mothers become unstoppable.
By Alisha Burns, Founder – Solo Mum Society
Website – www.solomumsociety.com
Instagram – @noneedforprincecharming
Facebook – Solo Mum Society
Podcast – No Need for Prince Charming
