Financial support for ageing parents in New Zealand is a common concern:
“How much is this going to cost?”
“Is Mum eligible for any help from the government?”
“Are we paying more than we need to?”
If you’re supporting an ageing parent, financial questions often surface quickly, especially as needs grow and care becomes more regular or intensive. Understanding what help is available can make a big difference.
The good news? In New Zealand, there is a range of financial support for ageing parents in New Zealand — including subsidies and services depending on your parent’s needs, income, and assets.
This guide walks you through the key options, from publicly funded home support to disability allowances and superannuation top-ups.
1. Government-Funded Home Support Services (After a Needs Assessment)
If your parent needs help with things like showering, getting dressed, preparing meals, or housework, they may be eligible for publicly funded home support.
How it works:
- A Needs Assessment is carried out by a local Needs Assessment and Service Coordination (NASC) organisation.
- The assessment determines what level of support your parent is eligible for.
- If approved, services like personal care, cleaning, or home help may be fully or partially funded.
How to apply:
- Contact your local NASC or GP to request an assessment.
- Find more info here: govt.nz – Help in Your Home
Who qualifies?
- Eligibility is based on level of need, age, and location — not income alone.
- You do not need to own no assets to qualify.
💡 Tip: Don’t wait for a crisis. Apply early, as assessments can take time.
2. SuperGold Card Benefits
All New Zealand residents aged 65+ automatically qualify for the SuperGold Card, which includes:
- Free off-peak public transport in many regions
- Discounts on groceries, pharmacies, fuel, optometry, and more
- Healthcare discounts at select providers
Check the full list of offers by region at: supergold.govt.nz
It’s not direct funding — but these benefits can significantly reduce daily living costs for your parent.
3. Disability Allowance (via Work and Income)
If your parent has a disability or long-term health condition, they may qualify for a Disability Allowance, which helps with:
- Medication
- Medical appointments
- Special foods
- Heating costs (e.g. during winter)
- Mobility aids and services
Eligibility:
- Your parent must have ongoing costs related to a disability or health condition
- There is an income and asset threshold — but it’s higher than you might expect
- Must be a New Zealand citizen or permanent resident
How to apply:
- Through Work and Income (WINZ)
- Medical documentation is usually required
Learn more: workandincome.govt.nz – Disability Allowance
4. Residential Care Subsidy (If Moving Into a Rest Home)
If your parent eventually needs long-term care in a rest home, they may be eligible for a Residential Care Subsidy — which helps cover the cost of care.
How it works:
- A financial means test is conducted to assess income and assets
- If approved, the government pays the aged care provider directly
- Your parent may be expected to contribute a portion (e.g. pension)
Eligibility thresholds:
- These change annually, but as of 2024:
- Asset threshold for a single person is approx $273,000
- A couple with both in care: similar thresholds apply
- Exemptions may apply for family homes or spouses
Full details: Work and Income – Residential Care Subsidy
5. Temporary Additional Support (TAS)
If your parent is struggling with high costs (e.g. medical, housing, utilities), they may qualify for Temporary Additional Support through WINZ.
- It’s means-tested
- Aimed at short-term gaps in affordability
- Can be added on top of other benefits or pensions
This may be helpful if your parent has had a sudden increase in needs (e.g. after a fall, surgery, or health decline).
6. Veterans’ Support (For Ex-Service Personnel)
If your parent served in the New Zealand Defence Force, they may be entitled to support from Veterans’ Affairs, including:
- Home help
- Medical costs
- Transport
- Weekly income compensation
Learn more: veteransaffairs.mil.nz
7. Disability Services for Māori and Pasifika Elders
Additional culturally appropriate funding and support may be available through:
- Whānau Ora providers
- Māori health services
- Pasifika health providers
These services often offer wraparound care, financial advice, and community connections.
8. Charitable and Community Support Options
Outside of government programmes, there are local charities and support networks that can help with:
- Grocery vouchers
- Transport to appointments
- Companionship and volunteer visitors
- Small grants for mobility aids or home safety improvements
Try:
- Age Concern NZ – ageconcern.org.nz
- Presbyterian Support, RSA, St John, local Lions Clubs, or church-run support services
9. You May Also Be Eligible for Support as a Carer
If you (or a family member) are providing care, you may be entitled to:
- Carer Support Subsidy (to pay for respite care)
- Home Help funding if caring full-time
- Training support through groups like Carers NZ or Carers Alliance
Find more at carers.net.nz and health.govt.nz
How to Get Started
- Talk to your parent about current and future costs
- Book a GP appointment to support applications with medical documentation
- Contact a local NASC to begin the Needs Assessment process
- Visit your local Work and Income office or call their helpline for tailored advice
- Keep records of expenses, letters, and eligibility outcomes
Final Thoughts: You Don’t Have to Do It Alone
Caring for a parent is about more than emotional support — it often includes navigating an unfamiliar financial system.
Take it one step at a time. Seek advice early. And remember: there is help available, and applying doesn’t mean your parent is giving up independence — it means they’re getting what they’re entitled to.
The right funding can reduce stress, increase safety, and ensure your parent receives the care and dignity they deserve — without carrying the full cost alone.
Explore our Home Help services →
Book a free consultation or call 0800 227 686
