Contents
New Zealand Superannuation : Contents
Clients with a partner
If a client has a partner, the rate of payment depends on whether:
- both clients can get New Zealand Superannuation in their own right (both meet the age and residency qualifications) and
- either client is eligible to get or is getting a deductible overseas benefit or pension and
- the partner has a temporary entry visa or is in New Zealand unlawfully
Both clients meet the qualifications for New Zealand Superannuation | - The couple's income is not taken into consideration when assessing the rate of payment of New Zealand Superannuation
- Any overseas benefits or pension either partner may be getting or eligible to get, will only be directly deducted from their individual New Zealand Superannuation payments
- A client or partners overseas benefit or pension can still affect the rate of any ongoing financial assistance if there is an excess
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Only one client qualifies for New Zealand Superannuation | - The couple's income is not taken into consideration when assessing the rate of payment of New Zealand Superannuation. New Zealand Superannuation is not income tested.
- If the client getting New Zealand Superannuation gets an overseas benefit or pension it is directly deducted from their payments
- If the partner is getting an overseas benefit or pension it is not deducted from the client's New Zealand Superannuation payments
- A client or partners overseas benefit or pension can still affect the rate of any ongoing financial assistance if there is an excess
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Only one client qualifies for New Zealand Superannuation and their partner has a temporary entry visa or is in New Zealand unlawfully. | - The couple's income is not taken into consideration when assessing the rate of payment of New Zealand Superannuation. New Zealand Superannuation is not income tested.
- If the client getting New Zealand Superannuation gets an overseas benefit or pension it is directly deducted from their payments.
- If the partner is getting an overseas benefit or pension it is not deducted from clients New Zealand Superannuation payments.
- A client or partners overseas benefit or pension can still affect the rate of any ongoing financial assistance if there is an excess.
- Pay the client the single rate of New Zealand Superannuation
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Only one client meets the qualifications for New Zealand Superannuation and the partner is included (grandparented non-qualified partner before 9 November 2020) | - Payment is income tested.
- If the client or partner is getting or entitled to get, an overseas benefit or pension, it is directly deducted from the grandparented non-qualified partner rate of New Zealand Superannuation. The balance is divided equally and paid to the client and partner.
- A client or partners overseas benefit or pension can still affect the rate of any ongoing financial assistance if there is an excess.
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In some situations, clients who are living apart from their partner can get the single sharing accommodation rate or the single living alone rate of New Zealand Superannuation.
Note from 9 November 2020, a partner who does not qualify for New Zealand Superannuation cannot be included in the clients New Zealand Superannuation.
For more information see:
