Caring for an ageing loved one at home can be both fulfilling and financially challenging. The good news is that New Zealand offers various subsidies and funding options to help cover the cost of home care services. If you’re wondering whether you or your loved one qualifies for a subsidy, this guide breaks down everything you need to know about eligibility, application processes, and alternative financial support.
Government-Funded Home Care Subsidies
The New Zealand government provides subsidies and financial support for home care services through Health New Zealand – Te Whatu Ora, Ministry of Health, and Work and Income NZ (WINZ). These subsidies can significantly reduce out-of-pocket costs for personal care, household help, and nursing services.
1. Who Qualifies for a Home Care Subsidy?
To qualify for government-funded home care, individuals must:✅ Be a New Zealand resident or citizen ✅ Be assessed by a Needs Assessment and Service Coordination (NASC) agency ✅ Require support due to ageing, disability, or a long-term health condition ✅ Have limited income and assets if applying for income-tested subsidies
2. What Services Are Covered?
Government-funded home care subsidies may cover:
- Personal care (bathing, dressing, mobility assistance)
- Household tasks (cleaning, cooking, laundry)
- Nursing services for medical needs
- Respite care (giving family carers a break)
- Specialist dementia support (if required)
Note: The number of hours and level of support depend on the assessment outcome.
How to Apply for a Home Care Subsidy
Start with a Needs Assessment
A NASC (Needs Assessment and Service Coordination) agency will visit your loved one at home to evaluate their care needs. You can request this assessment through a GP or your local district health board. Based on the visit, the assessor will recommend suitable home support services.
Understand the Income and Asset Testing
For some subsidies, financial means testing applies. This includes reviewing your parent’s income (such as benefits or pensions) and assets (like savings or property). This step determines how much the government can contribute and whether a top-up may be required.
Receive Approval and Begin Care
Once approved, services are arranged through a government-funded provider. Keep in mind that government funding may not cover everything, and many families choose to supplement with private care for added flexibility.
Additional Home Care Subsidies & Support
1. ACC-Funded Home Care (For Injury-Related Support)
If a loved one requires home care due to an injury, the Accident Compensation Corporation (ACC) may cover:
✅ Home modifications (e.g., wheelchair ramps, bathroom rails)
✅ Personal care assistance (e.g., showering, dressing)
✅ Household help (e.g., cleaning, meal preparation)
How to Apply: Contact ACC directly or have your GP submit a claim on your behalf.
2. Work and Income NZ (WINZ) Assistance
WINZ Support for Home Care Costs in New Zealand
When it comes to managing the cost of home care, Work and Income New Zealand (WINZ) offers several financial assistance options. These can make a meaningful difference—especially when care needs arise unexpectedly or increase over time.
✔ Disability Allowance
This allowance helps cover ongoing home care expenses for individuals with a disability or health condition. In particular, it can support regular care visits, transportation, or support services that allow the person to stay at home safely.
✔ Temporary Additional Support
If you’re facing short-term hardship, this benefit provides extra financial help. It’s designed to bridge the gap when standard allowances don’t quite cover your needs.
✔ Residential Care Subsidy
For those transitioning into long-term care, WINZ offers this subsidy to help with residential care facility costs. While it applies to care homes, it’s worth understanding how it complements other home support options—especially if you’re planning ahead.
How to Apply
To get started, visit the WINZ website or call 0800 559 009. There, you’ll find information on eligibility criteria, application forms, and what documents to prepare. Don’t wait until it’s urgent—early planning can open more support options.
3. SuperGold Card Discounts
SuperGold Card provides discounts on:
- Private home care services
- Mobility aids and home modifications
- Healthcare services, including GP visits and prescriptions
Where to Use It: Visit the SuperGold website for a list of participating providers.
How Much Financial Support Can You Get?
Amount of subsidy you receive depends on:
- level of care needed (basic assistance vs. full-time care)
- Income & assets (for means-tested subsidies)
- Government funding availability
