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New Zealand Superannuation (NZ Super) is the government pension paid to Kiwis over the age of 65. Any eligible New Zealander receives NZ Super regardless of how much they earn through paid work, savings and investments, what other assets they own or what taxes they have paid.

Who can get NZ Super?

To be eligible for NZ Super, you need to be aged 65 or over and be a legal resident of New Zealand. You can get NZ Super even if you’re still working.

You also need to have lived here for 10 years since age 20, with five of those years since you turned 50.

Work and Income has more information about NZ superannuation eligibility.

It’s important to remember that NZ Super may be different in years to come in terms of who gets it and when.

Overseas pensions

If you get a pension from an overseas government, your NZ Super payments may be reduced by the amount you receive from overseas.

For more information call Work and Income on 0800 552 002 and ask for the International Services office.

How much is NZ Super?

The level of NZ Super payments is set by the government each year. The rates are reviewed and adjusted to take into account any increases in the cost of living (inflation) and average wages.

The after-tax NZ Super rate for couples (who both qualify) is based on 66% of the ‘average ordinary time wage’ after tax. For single people, the after-tax NZ superannuation rate is around 40% of that average wage.

NZ Super is paid fortnightly.

Here are the current NZ Super rates

How to apply

Those eligible can apply for NZ Super three months before turning 65.

There’s a form on the Work and Income website, or Work and Income can be reached on 0800 552 002.

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