Navigating Funding, Pensions, and Subsidies

Steps & Guidance

1. 1

   Apply for NZ Super

   You can apply up to 12 weeks before turning 65. Check Work and Income's eligibility rules, including residence and physical presence. Required years depend on your birth date and include five years after age 50; overseas agreement and other special rules may apply.

2. 2

   Assess Accommodation Supplement eligibility

   Ask Work and Income about help with rent, board or eligible home ownership costs. Eligibility depends on your circumstances, including income, assets and accommodation costs; it does not cover rent for public or social housing.

3. 3

   Understand the Residential Care Subsidy

   Start with a Health NZ-funded NASC needs assessment for indefinite long-term residential care. Complete MSD's financial means assessment if required for your circumstances. Eligible care must be contracted, and Health NZ pays the subsidy directly to the care provider.

4. 4

   Check SuperGold concessions and rates rebates

   Check SuperGold business offers and local off-peak public transport conditions. Apply separately to your council for a rates rebate: it is assessed each year against household income, rates and other criteria. SuperGold cardholders have a different income limit, but holding the card does not guarantee a rebate.