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If you cannot get NZ Superannuation or other benefits

If you cannot get any other financial support from the government, you can apply for help with day-to-day living costs and health. You can also apply for a SuperGold Card.

You can still apply for government help if you cannot get one of the main benefits, such as:

  • NZ Superannuation or a Veteran’s Pension
  • Jobseeker Support
  • Sole Parent Support, or
  • Supported Living Payment.

Emergency Benefit

If you find you cannot support yourself or your family, you may be able to get an Emergency Benefit.

Work and Income need to know:

  • why you cannot get any other benefits — for example, because you’re not an NZ resident
  • about your income and assets.

An Emergency Benefit pays you an amount equal to a benefit you would have got if you had been eligible for it — for example, if you were an NZ citizen.

Emergency Benefit

SuperGold Card

Even if you cannot get NZ Super, when you turn 65, you can apply for a SuperGold Card.

SuperGold Cards — if you need to apply


If you’re eligible for publicly funded health services, you may also be able to get financial and other help with your healthcare or for a disability.

Getting publicly funded health services

Government help with healthcare if you’re over 65

Your income in retirement

If you cannot get NZ Super, a Veteran’s pension or other help from the government, you might be able to get income from other sources.

Income after you turn 65

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