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New Zealand Superannuation

Who can get it?

You may be able to get New Zealand Superannuation (NZ Super) if you:

  • are aged 65 or over
  • are a New Zealand citizen or permanent resident
  • normally live in New Zealand at the time you apply.

You must also have been resident and present in New Zealand for at least 10 years since you turned 20 years of age (and 5 of those years must be since you turned 50), unless, when you were overseas you were:

  • having special medical or surgical treatment or
  • doing vocational training or
  • working as a missionary/with Volunteer Service Abroad or
  • serving in one of the Commonwealth's armed forces or
  • working overseas and paid tax in New Zealand on the earnings from that work or
  • working on a New Zealand owned or registered ship trading to and from here.

If you spent time overseas, you must usually have been living here before and after you were overseas, unless you spent time in Australia, United Kingdom, Jersey, Guernsey, Canada, Denmark, the Republic of Ireland, Greece, Malta or the Netherlands. That may also count as time lived here in terms of getting your Super.

This information is a guide only. Contact us to talk about your individual circumstances.

How much you can get

How much you get depends on your circumstances, such as:

  • whether you're single, married or in a relationship
  • your living situation if you're single (eg live alone, live with dependent children, share accommodation with others)
  • whether your partner is included in your NZ Super 
  • any overseas pension/benefit you may get.

Payments from Accident Compensation Corporation (ACC) may affect your pension.  If you get these payments you'll need to talk with us.

NZ Super payments are made directly to your bank account every two weeks on a Tuesday.

Working and getting NZ Super

You can work and still get NZ Super. If you work (or receive other income) while getting NZ Super, this may affect the amount of income tax you have to pay on your combined income.

If you have a spouse/partner who doesn't qualify for their own NZ Super, you can choose to include them in your payments. If you do this, any other income either of you earn could affect how much you get.

We can help you work out whether you're financially better off to include your partner or not.

See more information on including your partner in the section below. 

Including your partner in your NZ Super

If you have a partner we need to ask you about them, as this affects the amount you're paid. This applies even if you're not including them in your payments.

NZ Super is not income tested. We'll only ask about you and your partner's income if:

  • you want to include your partner in your payments and they don't qualify for NZ Super in their own right
  • you apply for other financial assistance as part of your application for NZ Super. 

If you include your partner, any other income either of you earn could affect how much you get.

  • If your partner is included in your payments, you can earn up to $100 (before tax) a week between you, before your NZ Super is affected.
  • If you earn more than $100 (before tax) a week, your payments are reduced by 70 cents for every dollar of income over $100 (before tax).

SuperGold Card

When you're granted NZ Super or Veteran’s Pension, you'll automatically be sent a SuperGold Card.

This gives you access to:

  • a wide range of disounts from businesses
  • government concessions (such as free off-peak public transport)

Ready to apply?

There are things you can do, to get ready to apply for your NZ Super. We'll tell you the right time to apply, how to apply, what information you'll need to provide, and explain the application process.