We share a clear path to accessing superannuation for fertility treatment with psychiatrist Dr. Justine Schelle, explaining why the ATO requires a psychiatric assessment and how that step protects mental health. Dr Justine shares generously the steps, including how Fertility Psych offers a unique service to streamline the process and save on costs and timings.

You will hear which treatments qualify—IVF, egg collection, IUI, surgical sperm retrieval, and related gynaecological procedures—and get clarity in what’s changed for surrogacy access. We also cover donor options, interstate and overseas care, and how accommodation and flights can be included when tied to treatment.

• Why a psychiatrist assessment is required by the ATO for fertility treatment 
• How assessments detect depression risk and support safe pregnancy and postpartum 
• What procedures qualify, including IVF, IUI, surgical sperm retrieval, and related surgery 
• National telehealth access and rural Medicare benefits 
• Using your partner’s super and lodging multiple applications within six months 
• Donor eggs, embryos, imported sperm, travel costs, and now surrogacy eligibility 
• DIY MyGov application steps to avoid third‑party fees 


Dr Schelle brings over 20 years of experience across Australia and Internationally. Her career spans hospital settings, clinical roles, the medico-legal industry, and FIFO psychiatry in regional areas. From 2016 to 2022, she was the consultant psychiatrist for the Assertive Outreach Team at Royal North Shore Hospital, leaving this role to concentrate on FertilityPsych and other psychiatric pursuits.

Having grown up and worked rurally, Dr Schelle understands the lack of accessible services in remote areas and recognises that even in cities, finding the right psychiatrist can be challenging. She has a strong interest in fertility-related psychiatry and supporting individuals and families through this journey.