Please note: New Zealand Now content reflects pre-COVID-19 conditions and outlook. For COVID-19 related updates to visa and border requirements, click here.
Once you have permanent residence status, you and your family will enjoy the reassurance of a public welfare system that provides support in a range of situations.
Kiwis genuinely care for other people and have always had a strong commitment to social welfare. For example, New Zealand was the first country in the world to introduce pensions for the elderly (1898).
Today, the benefits our welfare system provides include:
support for families, including parental leave when you have a baby and the Working for Families package of benefits
help with the costs of healthcare
assistance if you lose your job or are unable to work because of illness or an accident
help with saving for retirement
support for older people, including New Zealand Superannuation (our ‘old age pension’) and other financial and practical assistance
assistance if you need help with accommodation.
You may not qualify for all these benefits until you are a permanent resident - which you can apply for after temporary residence of two years.
For full details about the welfare that you may be entitled to, visit the A-Z benefit directory provided by the government’s Work and Income department.
COVID-19 Financial Support available to migrants and refugees
If you or your family have been affected by COVID-19, there may be help available.
Support is now available to everyone in New Zealand, including residence visa holders, temporary work visa holders, and visitor visa holders. What you may qualify for will depend on your individual circumstances.
For the latest information on the COVID-19 support available for migrants and refugees, please visit Immigration New Zealand.
Make a plan for what you want to happen in case you are unable to make decisions due to accident or illness.
You could get an Enduring Power of Attorney (EPOA) - a legal document that allows you to choose someone to make decisions about your property if you can no longer do so. The person you choose can be a trusted relative or friend, or a specialist organisation such as Public Trust.
There are also services available to manage your day-to-day finances and look after your property as you get older. The service is useful when you need time to focus on health and well-being.
New Zealand Superannuation, also known as NZ Super, is our ‘old-age pension’.
It will be enough to provide a basic standard of living once you retire. But if you would prefer a better-than-basic lifestyle in your later years you can supplement NZ Super by doing your own retirement saving.
Many Kiwis who work are doing that through the government’s ‘Kiwisaver’.
Learn the basics of KiwiSaver and what it means for you.
With Kiwisaver you pay in a certain amount from your wages or salary. That is matched by your employer and topped up with an annual bonus from the government. The money is invested for you by approved ‘KiwiSaver providers’ until you are eligible for NZ Super at age 65.
You can access the money earlier in certain circumstances — for example, if you are ill or have financial hardship or if you are buying your first home.
Find out more at the Inland Revenue website, and read more about retirement savings on our Retirement page.
NZ Super is available for citizens and residents aged 65 and over. It is not means tested: that is, it is paid regardless of any other private income you receive, or assets you hold. However if you receive other benefits, or payments from ACC for injury from accidents, they may affect your allowance.
You pay tax on NZ Super payments.
If you qualify for NZ Super, you will also receive a SuperGold Card. It gives you discounts and offers from a range of businesses, government concessions - such as free off-peak public transport - and discounted services from your local council.
Full details of NZ Super and the other benefits available for people 65+ are on the Work and Income website.
Many new parents are entitled to up to 26 continuous weeks’ paid parental leave, if they meet the six or 12 month eligibility criteria. Partners may get either one or two weeks' unpaid leave, depending on how long they have been employed.
Read more at the website of the Ministry of Business, Innovation and Employment.
New parents are entitled to parental leave in New Zealand.
Working for Families benefits
Working for Families is a package of benefits that can help with the costs of raising children if you are working.
It can include tax credits, help with the costs of pre-school and out-of-school childcare, and help with housing costs. Many families with children are eligible for it.
You must be a New Zealand resident and have been living here continuously for 12 months to be eligible. The children you are claiming for must be dependent children aged 18 or younger (or up to 19 if still in education) who are both resident and currently living in New Zealand.
If you have transitional tax status, you will not be eligible for Working for Families credits.
The government’s Work and Income and Inland Revenue departments run different aspects of Working for Families.
For general information, see the Work and Income website. To see if you are eligible, visit Inland Revenue
Public housing, also known as social housing, is provided by the government through Kāinga Ora (used to be Housing New Zealand) and other Community Housing Providers.
It is available for people and families on low incomes who are most in need of housing, for as long as they need it. You may need to show that you have been looking for a place to live but have not been able to find one that meets your needs or budget.
You need to meet certain criteria to qualify for public housing. If you apply, you may have to wait for a while until a suitable property becomes available.
For more information, start with the Work and Income department’s website.