Other income

Receiving other income doesn't affect your New Zealand Superannuation unless your partner isn't qualified to get New Zealand Superannuation and you choose to include them in your payments.

Other assistance

Depending on your income and circumstances, you may be able to get extra assistance on top of your New Zealand Superannuation.

Check what you might get

This tool will assess your potential eligibility for financial assistance and benefits, including New Zealand Superannuation (even if you already receive it). Contact us if you think you may be able to get other assistance.

For more information please read:

Overseas pensions

If you've lived overseas you need to tell us, as you may be entitled to overseas Government pensions or benefits. You need to apply for these as the amount you're entitled to is likely to be deducted from your New Zealand Superannuation.

For more information please visit our page:

Working full-time or part-time

Many people who are over 65 choose to work on a part or full-time basis.

You can still receive your New Zealand Superannuation while you are working or receiving other income, but this may affect the amount of income tax you have to pay on your combined income.

If you have a spouse or partner who doesn't qualify for their own New Zealand Superannuation, you can choose to include them in your payments. If you do this, any other income either of you earn could affect how much you get.

We can help you work out whether it is to your financial advantage to include your partner or not.

If your spouse or partner is included in your payments, you can earn up to $100 (before tax) a week between you, before your New Zealand Superannuation is affected. If you earn more than $100 (before tax) a week your payments are reduced by 70 cents for every dollar of income over $100 (before tax).

For more information on including a spouse or partner in your New Zealand Superannuation, please contact the New Zealand Superannuation contact centre.

For more information on tax and your New Zealand Superannuation, see: