Older Person Financial Support Map
Library synthesis from Work and Income guidance
Publisher: SNZ Database — local support map
Community knowledge
Community provider
2026-10-09
Next review: 2027-04-01
New Zealand
High confidence
verified
SNZ editorial review
Evidence boundary: Locally authored navigation map, not a Work and Income publication or an entitlement decision. Official primary sources were checked in October 2026; the original June 2026 capture and publication year are preserved. Rates, financial assessments, tax codes and individual circumstances can change the outcome.
Short Answer
Source-linked library map of NZ Super, help with housing and disability costs, seasonal heating support, and aged residential care funding, reviewed against Work and Income guidance on 9 October 2026.
Key Points
- •For a person aged 65+ who is single, or a couple both in care, the Residential Care Subsidy asset threshold is $300,811; a partner remaining outside care gives a choice of $164,731 excluding the family home/car or $300,811 including them.
- •Subsidy eligibility also requires an assessed need for indefinite long-term care and contracted services. An income assessment determines the resident's contribution; premium room charges remain private costs.
- •Current care guidance lists a $58.34 weekly personal allowance and a $365.92 annual clothing allowance for subsidy recipients. The loan page also lists a $58.34 weekly personal allowance after tax on an M code.
- •Residential Care Loan applications are considered individually. The home threshold is $300,811 and other assets must be below $15,000 for a single person or $30,000 with a partner; late repayment may attract 10% annual interest calculated daily.
- •NZ Super residence requirements vary by birth date from 10 to 20 years since age 20, including five since age 50. The April 2026 single living-alone rate is $1,110.30 a fortnight after tax on an M code.
- •Disability Allowance reimburses verified ongoing disability costs up to $82.85 weekly, subject to income and eligibility rules, and cannot be paid with Residential Care Subsidy. Accommodation Supplement has separate income, cash-asset and housing-cost tests.
Full Summary & Notes
Source-linked library map of NZ Super, help with housing and disability costs, seasonal heating support, and aged residential care funding, reviewed against Work and Income guidance on 9 October 2026. Residential Care Subsidy requires care eligibility plus separate asset and income assessments; passing an asset limit does not guarantee full payment. Residential Care Loan is interest-free during its agreed term, secured against the home, and repayable on sale or within 12 months of death, whichever comes first. The map distinguishes current rates from individual entitlement and retains its original June 2026 capture provenance.
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