Financial help and benefits if you’re over 65

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class="ga-track-engage-govt-dir">Manatū Hauora</a> </li> <li> <a href="/web/20240507120419/https://www.govt.nz/organisations/ministry-of-transport/" class="ga-track-engage-govt-dir">Ministry of Transport</a> </li> <li> <a href="/web/20240507120419/https://www.govt.nz/organisations/work-and-income/" class="ga-track-engage-govt-dir">Work and Income</a> </li> <li> <a href="/web/20240507120419/https://www.govt.nz/organisations/accident-compensation-corporation/" class="ga-track-engage-govt-dir">Accident Compensation Corporation</a> </li> <li> <a href="/web/20240507120419/https://www.govt.nz/organisations/te-ara-ahunga-ora-retirement-commission/" class="ga-track-engage-govt-dir">Te Ara Ahunga Ora</a> </li> <li> <a href="/web/20240507120419/https://www.govt.nz/organisations/senior-services/" class="ga-track-engage-govt-dir">Senior Services</a> </li> </ul> </div> </aside> </div> </div> </div> <div class="col-md-7 col-md-offset-1 ga-content-container main-content hide-step-numbers"> <div class="title-row"> <h1 id="toplink" tabindex="-1">Financial help and benefits if you’re over 65</h1> <p class="page-description">Most New Zealanders over 65 can get <abbr>NZ</abbr> Super. For lower incomes, you may also be able to get government help to pay for regular costs or unexpected expenses.</p> </div> <div class="main"> <nav class="process-step-nav" aria-labelledby="process-step-nav-title"> <h2 id="process-step-nav-title">On this page</h2> <ol role="list"> <li><a href="/web/20240507120419/https://www.govt.nz/browse/tax-benefits-and-finance/managing-your-money-in-retirement/financial-help-benefits-over-65/#309">Other payments you may be able to get</a></li> <li><a href="/web/20240507120419/https://www.govt.nz/browse/tax-benefits-and-finance/managing-your-money-in-retirement/financial-help-benefits-over-65/#312">Help with paying for urgent or unexpected costs</a></li> <li><a href="/web/20240507120419/https://www.govt.nz/browse/tax-benefits-and-finance/managing-your-money-in-retirement/financial-help-benefits-over-65/#315">Housing and household costs</a></li> <li><a href="/web/20240507120419/https://www.govt.nz/browse/tax-benefits-and-finance/managing-your-money-in-retirement/financial-help-benefits-over-65/#318">Transport costs</a></li> <li><a href="/web/20240507120419/https://www.govt.nz/browse/tax-benefits-and-finance/managing-your-money-in-retirement/financial-help-benefits-over-65/#321">If you’re disabled or have health problems</a></li> <li><a href="/web/20240507120419/https://www.govt.nz/browse/tax-benefits-and-finance/managing-your-money-in-retirement/financial-help-benefits-over-65/#324">Getting help with budgeting and finances</a></li> <li><a href="/web/20240507120419/https://www.govt.nz/browse/tax-benefits-and-finance/managing-your-money-in-retirement/financial-help-benefits-over-65/#327">If you cannot get NZ Super</a></li> <li><a href="/web/20240507120419/https://www.govt.nz/browse/tax-benefits-and-finance/managing-your-money-in-retirement/financial-help-benefits-over-65/#330">More information and contact details</a></li> </ol> </nav> <div class="process-step"> <h2 tabindex="-1" id="309">Other payments you may be able to get</h2> <p>If you have a low income, you may be able to get other payments in addition to your New Zealand Superannuation (<abbr>NZ</abbr> Super) or pension.</p> <p>There are different payments you may be able to get to help you, for example:</p> <ul> <li>accommodation supplement</li> <li>disability allowance</li> <li>community services card.</li> </ul> <p>Work and Income have an online tool you can use to check what other payments and assistance you can get.</p> <p><a href="https://web.archive.org/web/20240507120419/https://www.workandincome.govt.nz/eligibility/seniors/other-payments/index.html">Other payments for seniors — Work and Income</a></p> </div> <div class="process-step"> <h2 tabindex="-1" id="312">Help with paying for urgent or unexpected costs</h2> <p>If you’re struggling to meet your living costs or you get an unexpected bill, you may be able to get some help.</p> <p>There’s financial help available for a range of expenses, for example:</p> <ul> <li>food</li> <li>car and house repairs</li> <li>medical costs and dental treatment</li> <li>power and water bills</li> <li>whiteware, such as a fridge or washing machine.</li> </ul> <p>Some of these payments you’ll have to pay back and some others you will not.</p> <p><a href="https://web.archive.org/web/20240507120419/https://www.workandincome.govt.nz/eligibility/urgent-costs/index.html">Urgent or unexpected costs — Work and Income</a></p> </div> <div class="process-step"> <h2 tabindex="-1" id="315">Housing and household costs</h2> <p>You can get help to pay for:</p> <ul> <li>rent or board</li> <li>your mortgage</li> <li>your rates — including a rebate or refund from your local council, or postponing payments until you or your estate can pay</li> <li>low-cost housing through central government or your local council.</li> </ul> <p><a href="/web/20240507120419/https://www.govt.nz/browse/housing-and-property/getting-help-with-housing/">Get financial help with housing</a></p> </div> <div class="process-step"> <h2 tabindex="-1" id="318">Transport costs</h2> <h3>SuperGold Card</h3> <p>You can use your SuperGold Card to get free or cheaper public transport. You can also get discounts on some council services and from many businesses in New Zealand.</p> <p><a href="/web/20240507120419/https://www.govt.nz/browse/tax-benefits-and-finance/supergold-card/">SuperGold Cards</a></p> <h3>If you do not have a car</h3> <p>You can get help to use and pay for other kinds of transport.</p> <p><a href="/web/20240507120419/https://www.govt.nz/browse/transport/coping-without-a-car-over-65/">Coping without a car if you’re over 65</a></p> <h3>If you have a car</h3> <p>You may be able to get help to pay for car repairs if you need the car to get to work, because you have an illness or disability, or because you cannot use public transport.</p> <p><a href="https://web.archive.org/web/20240507120419/http://www.workandincome.govt.nz/eligibility/urgent-costs/car-repairs.html#null">Car repairs — Work and Income</a></p> <p>If you’re injured and the Accident Compensation Corporation (<abbr>ACC</abbr>) has accepted your claim, you can get help with some costs.</p> <p><a href="https://web.archive.org/web/20240507120419/https://www.acc.co.nz/im-injured/types-of-ongoing-support/transport/">Transport and getting around after an injury — <abbr>ACC</abbr></a></p> </div> <div class="process-step"> <h2 tabindex="-1" id="321">If you’re disabled or have health problems</h2> <p>The government provides services and financial help if you’re disabled or have health problems. You can get help with:</p> <ul> <li>paying for doctor’s visits and prescriptions</li> <li>managing day-to-day and routine tasks in your home</li> <li>paying for long-term care in a rest home or hospital</li> <li>transport for medical reasons.</li> </ul> <p><a href="/web/20240507120419/https://www.govt.nz/browse/health/financial-help/government-help-with-healthcare-over-65/">Government help with healthcare if you’re over 65</a></p> </div> <div class="process-step"> <h2 tabindex="-1" id="324">Getting help with budgeting and finances</h2> <div class="callout-note" role="note"> <h3>Financial abuse and scams — protect yourself and others</h3> <p>Anyone can be a victim of financial abuse. Find out about financial abuse and scams and how to protect yourself:</p> <ul> <li><a href="/web/20240507120419/https://www.govt.nz/browse/law-crime-and-justice/abuse-harassment-domestic-violence/financial-abuse/">Financial abuse</a></li> <li><a href="https://web.archive.org/web/20240507120419/https://www.consumer.org.nz/articles/scams">Scams and how to avoid them — Consumer <abbr>NZ</abbr></a>.</li> </ul> </div> <h3>Managing your money</h3> <p>Most New Zealanders will be able to get <abbr>NZ</abbr> Super. Managing savings and several sources of income can be difficult — especially when you do not know for how long you’re planning. The Sorted website has advice to help you with your money:</p> <ul> <li><a href="https://web.archive.org/web/20240507120419/https://sorted.org.nz/guides/retirement/manage-your-money-in-retirement">Manage your money in retirement</a></li> <li><a href="https://web.archive.org/web/20240507120419/https://sorted.org.nz/guides/retirement/living-in-a-retirement-village">When you’re thinking of living in a retirement village</a>.</li> </ul> <h3>Professional advice</h3> <p>You can get professional advice to help with budgeting and managing your money:</p> <ul> <li><a href="/web/20240507120419/https://www.govt.nz/browse/family-and-whanau/financial-help-for-your-family/getting-help-budget/">Getting help with your budget</a></li> <li><a href="https://web.archive.org/web/20240507120419/https://www.sorted.org.nz/guides/getting-advice">Find financial advice and support with money — Sorted</a></li> <li><a href="https://web.archive.org/web/20240507120419/https://www.consumer.org.nz/articles/wills">Wills: How to make one and what to consider — Consumer <abbr>NZ</abbr></a>.</li> </ul> </div> <div class="process-step"> <h2 tabindex="-1" id="327">If you cannot get NZ Super</h2> <p>You can still apply for government help if you cannot get <abbr>NZ</abbr> Super — for example, because you’re not a permanent <abbr>NZ</abbr> resident or have not lived here for long enough.</p> <p><a href="/web/20240507120419/https://www.govt.nz/browse/tax-benefits-and-finance/managing-your-money-in-retirement/if-you-cannot-get-nz-super-or-other-benefits/">If you cannot get <abbr>NZ</abbr> Super or other benefits</a></p> </div> <div class="process-step"> <h2 tabindex="-1" id="330">More information and contact details</h2> <p>Different organisations can help you with your retirement and other related topics.</p> <ul> <li><a href="https://web.archive.org/web/20240507120419/https://seniorline.org.nz/about-us/contact-us/">Contact us — Seniorline</a></li> <li><a href="https://web.archive.org/web/20240507120419/https://www.workandincome.govt.nz/eligibility/seniors/index.html">Seniors — Work and Income</a></li> <li><a href="https://web.archive.org/web/20240507120419/https://www.ageconcern.org.nz/Public/Information/Public/Info-Support.aspx?hkey=bc3f1232-1f30-498e-ac5f-9d3dcd6075e5">Information and support — Age Concern</a></li> <li><a href="https://web.archive.org/web/20240507120419/https://officeforseniors.govt.nz/information-for-seniors/">Information for seniors — Office for Seniors</a>.</li> </ul> </div> <div class="block-bottom "> <h2 class="sr-only">Utility links and page information</h2> <div class="ContactPageFeature page-feature hidden-md hidden-lg"> <aside> <div class="responsible-agencies"> <h2 class="imitate-h4"> Contact </h2> <ul class="links-list"> <li> <a href="/web/20240507120419/https://www.govt.nz/organisations/ministry-of-health/" class="ga-track-engage-govt-dir">Manatū Hauora</a> </li> <li> <a href="/web/20240507120419/https://www.govt.nz/organisations/ministry-of-transport/" class="ga-track-engage-govt-dir">Ministry of Transport</a> </li> <li> <a href="/web/20240507120419/https://www.govt.nz/organisations/work-and-income/" class="ga-track-engage-govt-dir">Work and Income</a> </li> <li> <a href="/web/20240507120419/https://www.govt.nz/organisations/accident-compensation-corporation/" class="ga-track-engage-govt-dir">Accident Compensation Corporation</a> </li> <li> <a href="/web/20240507120419/https://www.govt.nz/organisations/te-ara-ahunga-ora-retirement-commission/" class="ga-track-engage-govt-dir">Te Ara Ahunga Ora</a> </li> <li> <a href="/web/20240507120419/https://www.govt.nz/organisations/senior-services/" class="ga-track-engage-govt-dir">Senior Services</a> </li> </ul> </div> </aside> </div> <div class="PrintPageFeature page-feature"> <div class="print-container"> <button type="button" id="print-page-button" hidden> Print </button> </div> </div> <div class="SharePageFeature page-feature"> <div class="social"> <p class="social__heading">Share by</p> <ul class="social__list"> <li class="social__list__item"><a class="social__list__link" href="https://web.archive.org/web/20240507120419/mailto:/?subject=I%20wanted%20to%20share%20this%20page%20with%20you%20from%20www.govt.nz%20&body=Financial help and benefits if you’re over 65%20%0D%0Ahttps://www.govt.nz/browse/tax-benefits-and-finance/managing-your-money-in-retirement/financial-help-benefits-over-65/" target="_self" rel="noopener">Email</a></li> </ul> </div> </div> <div class="FeedbackPageFeature page-feature"> <noscript> <div class="inline-feedback-form"> <div class="error-container"> <p> JavaScript is currently turned off in your browser — this means you cannot submit the feedback form. 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Financial help and benefits if you’re over 65 | New Zealand Government