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Jobs, benefits & flats

Types of benefits

Overview of the different benefits

What to apply for in your situation

This section explains what main benefits and other payments you may be able to get in your particular situation:

Income testing: How much you’re allowed to earn

Will I be income-tested?

All the working-age main benefits are income-tested – that is, tested against how much you earn. The amount you’ll get will be reduced (“abated”) if you earn more than a certain amount, see “How earning money will affect your benefit (‘Abatement‘)” under “Benefit rates: How much you’ll get, and how much you can earn”.

The working-age main benefits aren’t asset-tested – that is, you won’t be refused a benefit or have your benefit reduced because of how much savings or other property you have.

Some of the additional payments and allowances you might qualify for aren’t income-tested (for example, the Child Disability Allowance) – we explain this below.

New Zealand Superannuation (NZ Super) isn’t income-tested or asset-tested, except that if you have a partner aged under 65 there may be an income test.

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Dealing with Work and Income

Where to go for more support

Community Law


Your local Community Law Centre can provide free initial legal advice and, depending on your situation, may be able to provide ongoing support.

Work and Income


Phone: 0800 559 009

This website contains information about who qualifies for the different benefits and payments and how to apply for them.

Benefit rates

For information about the benefit rates that apply from 1 April 2021, visit:


Beneficiary advocacy groups

There’s likely to be an advocacy group for beneficiaries in your area. Look for them online. If you’re not able to find one, contact your local Citizens Advice Bureau (see below).

Auckland Action Against Poverty


Phone: (09) 634 0591

AAAP provides a free advocacy service for people dealing with Work and Income. They have also published a 30-page “Beneficiary Rights Booklet”, which you can download from their ‘Resources’ page.

Address: 120 Church St, Onehunga, Auckland 1061
Email: advocates@aaap.org.nz

Citizens Advice Bureau


Phone: 0800 FOR CAB (0800 367 222)

Every Citizens Advice Bureau has volunteers who can provide information, particularly on where to access beneficiary advocacy services.

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