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Work homepage
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Overview
We can help you get ready to apply and find the right job for you. We can even help you while you're working.
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Get ready to work
You can get training, help with CVs and cover letters, and advice for job interviews.
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Find jobs
Find out what jobs are available, which job is best for you and how you can plan your career.
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Working
Whether you've just started a job or need some help at work, we've got your back.
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Lost your job
We'll help you get ready to find a new job and support you while you're between jobs.
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Start your own business
Get help to plan and set up a successful business or be a self-employed contractor.
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Benefits and payments homepage
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Overview
Take a look at the range of benefits and payments we have available.
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Not working
Redundancy, health condition or disability or another reason you can’t work
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Living expenses
Food, school costs, power, accommodation or other living expenses you need help with
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Relationship changes
You’ve had a relationship break-up, family breakdown or violent relationship end
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Health and Disability
Counselling, prescription and GP costs, medical alarms and other costs we can help with
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Seniors
Travelling overseas, how to apply, payment rates and dates, overseas pensions, income and other info for Seniors
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Caring
Caring for someone else’s child or someone with a health condition, injury or disability
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Urgent or unexpected costs
Dental, glasses, car repairs, fridge, washing machine, funeral or other urgent costs you need help with
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Children
Childcare, school uniforms, stationery, having a baby and other costs if you have children
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Moving to New Zealand
Payments you can get from us, settling into NZ, overseas pensions and more.
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Benefits and forms
A-Z list of benefits, forms, benefit rates
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On a benefit homepage
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Overview
Check out what you need to do when you're getting a benefit or other payment from us.
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Something's changed
Address, contact details, overseas travel, childcare, relationship or anything else that’s changed.
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Income
Declare income and income deduction tables
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Childcare
Change in your childcare situation, continue childcare payments, cohort entry schools and other childcare information
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Going overseas
Travelling or moving overseas may affect your payments.
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Re-apply, review or renew
Re-apply for a payment, review circumstances, renew medical certificate and more
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Payments
Check or stop your payments, payment cards and other information
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Debt
Check your debt, repayments and other debt information
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Rights and responsibilities
Our commitment to you, obligations, complaints, benefit fraud and more
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Housing homepage
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Overview
Find out how we can help you with housing.
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Nowhere to stay
Get help if you have nowhere to stay right now.
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Find a house
Find out where to look for private housing, or apply for public (social) housing.
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Living in your home
Get help with accommodation costs, and advice on any housing issues and public housing tenancies.
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Moving house
Find out how we can help if you’re moving house.
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Other languages
Read some of our housing information in other languages.
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Apply online
Applying online is the easiest way to apply for a benefit or payment.
Follow the steps on this page to apply online for most benefits or payments, except for:
- NZ Super - go to Apply for NZ Super
- if you're on a study break and planning to return to study - go to Apply for Jobseeker Support Student Hardship on the StudyLink website.
You have 20 working days from the date you first contact us to complete the application process.
You may be granted financial assistance from the date you request it. If you can't apply online today, contact us now if you haven't already done so.
Steps to apply online
If you've already started an online application, you can continue it and you don't need to do the steps below.
This is a 9-digit number we issue you the first time you deal with us. This could be through Work and Income, StudyLink, Seniors or Youth Service.
You'll need this anytime you contact us.
MyMSD is our online service where you can apply and manage your information online.
If you have not used MyMSD before, you'll need to register first.
If you can't use MyMSD
Call us and we'll talk with you about the best way for you to apply.
In most cases we'll need you to come in for a face-to-face appointment. However, there may be times we'll be able to support you over the phone.
In MyMSD, select 'Apply' to go to the online form. Some of your information will be automatically pre-filled, based off information you've already told us.
The online form takes between 30 minutes to 1 hour to complete. It'll automatically work out what you might be able to get based on your answers.
Information you need
You'll need to provide information about you and your family, including:
- all income details for the last 52 weeks (for example wages, ACC, child support, dividends, rentals etc)
- anything that could earn you money in the next 52 weeks (for example rental income, dividends, ACC, child support, overseas payments)
- your expenses (for example housing, childcare, medical costs and hire purchase)
- IRD numbers (you can find this in letters from IRD or your payslips. If you can't find it or don't have one, go to the Inland Revenue website)
- bank account details
- a phone number we can contact you on.
If you or your partner were not born in New Zealand, you'll need to tell us your or their:
- country of birth and the date left
- date arrived in New Zealand
- date citizenship or permanent residence was granted.
Saving your answers
- Your answers are saved as you go.
- You can save a partly completed form and come back to it later.
If the application times out
- If you stay on the same page for more than 5 minutes you'll be logged out.
- When you log in to return to your form you'll start from your last completed page.
MyMSD has a list of steps you need to complete once you submit your application. If you can't complete any of the steps or have a question, talk to us.
Next steps are:
- complete a Jobseeker profile (if you've applied for certain benefits)
- read and agree to your obligations
- provide your documents (you can upload them in MyMSD)
- verify your identity
- book an appointment
Complete a Jobseeker profile
You must complete a Jobseeker profile if you've applied for:
- Jobseeker Support
- Sole Parent Support, or
- Emergency Benefit (including Emergency Maintenance Allowance) and you're required to find work.
You can do this in MyMSD. You'll need to give us information about your work skills, qualifications and the type of work you're looking for. This will help us match you to job vacancies or refer you to courses or training.
Read and agree to your obligations
Your obligations are things you need to do when you get a benefit or payment from us. If you don't do them, your payments could reduce or stop.
If you don't understand your obligations, or want to talk to us about them, we can discuss these during the appointment you book with us as part of your next steps.
Provide your documents
MyMSD will tell you what documents you need to provide for yourself and your partner (if you have one).
You can upload these documents in MyMSD. If you can't use MyMSD, you can bring it to the appointment you book with us as part of your next steps, or just drop it into a service centre. We'll make a copy and add it to your file.
If you need to provide a medical certificate, your health practitioner may send it to us electronically. Make sure they include your client number on the certificate.
Verify your identity
If this is your first time applying for a benefit or ongoing payment, you can verify your identity online using Identity Check. Follow the steps in MyMSD to do this.
If you can't use Identity Check, you need to bring your ID into a service centre. You can bring it to the appointment you book with us as part of your next steps, or just drop it in to a service centre.
Book an appointment
Call us to book. In most cases you'll need to come in for a face-to-face appointment. However, there may be times we'll be able to support you over the phone.
We'll let you know by phone or letter once we've processed your application.
If you disagree with our decision, you can ask for a review of decision.
MyMSD will tell you when your payments will start.
Most weekly benefits have a stand-down. This is a period of time when you can't get any money from us. It's usually 1 or 2 weeks after your application is approved.
Your payments will start from the date after your stand-down finishes. If you've been working recently, your payments may take longer to start.
Once your payments start, you won't get any money in the first week. This is because we pay you for the week that's just been. This is called arrears.