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New Zealand Superannuation

Who can get it?

You may be able to get New Zealand Superannuation 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 or
  • working 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, Britain, Jersey, Guernsey, Canada, Denmark, the Republic of Ireland, Greece 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.

Apply for New Zealand Superannuation - even if you intend to work part or full-time

Many people who are over 65 choose to work on a part or full-time basis.

You can still receive your New Zealand Superannuation while you are working or receiving other income, but this may affect the amount of income tax you have to pay on your combined income.

If you have a spouse or partner who doesn't qualify for their own New Zealand Superannuation, 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 it is to your financial advantage to include your partner or not.

If your spouse or partner is included in your payments, you can earn up to $100 (before tax) a week between you, before your New Zealand Superannuation 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).

For more information on including a spouse or partner in your New Zealand Superannuation, please contact the New Zealand Superannuation contact centre.

For more information on tax and your New Zealand Superannuation, please go to Work and Income's page on Tax Codes.

Go to the Inland Revenue website - Tax on your income when you retire


SuperGold Card

We'll automatically send you a SuperGold Card when your New Zealand Superannuation is granted.

The SuperGold Card is a free discounts and concessions card.


How much you can get

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

  • whether you are single, married or in a relationship
  • your living situation if you are single (eg live alone, live with dependent children, share accommodation with others)
  • whether your partner is included in your New Zealand Superannuation payments or not
  • any overseas benefit or pension you may get.

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

Payment of New Zealand Superannuation is made directly to your bank account every two weeks.


Including your partner in your payments

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

New Zealand Superannuation 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 New Zealand Superannuation in their own right
  • you apply for other assistance as part of your application for New Zealand Superannuation.

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

We can help you work out whether it is to your financial advantage to include your partner or not.

If your partner is included in your payments, you can earn up to $100 (before tax) a week between you, before your New Zealand Superannuation 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).


Providing us with identifying documents

Documents can be originals or certified copies.

We can only accept copies of identifying documents, when they are:

  • physical copies of the documents that have been originally sighted, dated and signed by a Work and Income staff member that is on the client's file or
  • copies of documents that have been certified as a true copy by a Solicitor/Lawyer, Notary Public, Registrar of the Court or Justice of the Peace. The person must see the original document and must provide the following on the copy:
    • his/her name in print
    • position/title (must be one of the professions above)
    • date the certified true copy was made
    • address and telephone number of the person certifying the document
    • signature of the person certifying the document
    • the stamp or wording indicating 'this photo copy is a true copy of the original document which has not been altered in any way', or wording of similar effect, is to be printed or written on the photocopy.

Have you served with the New Zealand Armed Forces?

You may be entitled to special benefits or pensions.