Skip to main content

Delays to response times: It is taking longer than usual to answer calls and myIR messages, and to process some COVID-19 Support Payment applications. This is because of the impact of COVID-19. If possible, please contact us through your myIR account. Log in to myIR

Budget 2022: The Government has announced Budget 2022, which includes changes to child support payments. Find out more on our Tax Policy website

Budget 2022: The Government has announced a Cost of Living Payment, which will be paid from 1 August 2022. You do not need to apply for this payment. If you are eligible, we’ll pay it into your bank account. Find out more

Te whiwhi i taku pūtea KiwiSaver mō ngā pūtake hauora Getting my KiwiSaver funds for health reasons

You may be able to withdraw some, or all, of your KiwiSaver funds early for health reasons.
Those whose health is affecting them financially.

You may be able to withdraw some, or all, of your KiwiSaver savings early for health reasons. These can be either:

  • an illness, injury or disability that permanently affects your ability to work or poses a risk of death
  • a life-shortening congenital condition that lowers your life expectancy below the age of eligibility for New Zealand superannuation (currently 65).

Applying for a KiwiSaver withdrawal for health reasons

You may need to provide medical evidence to support your application.

If you receive salary or wages, applying for early withdrawal is different for a serious illness and life-shortening congenital condition. If you're applying because of a:

  • serious illness:
  • apply to us if you're within the first 2 months of membership
  • contact your KiwiSaver provider if you've been a member longer than 2 months.
  • life-shortening congenital condition contact your KiwiSaver provider. They apply for you.

Applying for early withdrawal when you're not paid salary or wages

If you do not receive salary and wages, apply through your KiwiSaver provider.

What happens when your withdrawal application is approved

If your application to withdraw is approved, you can withdraw some, or all, of your funds. This includes:

  • your contributions
  • your employer's contribution
  • the $1,000 kickstart (if you got it)
  • the government contributions
  • fee subsidies (if you got these)
  • interest you have earned.

And, if you applied because your condition was life-shortening and congenital:

  • you'll stop getting the government contribution (GVC)
  • your employer will stop contributing to your KiwiSaver.

Stopping KiwiSaver contributions for serious illness

If you have a serious illness you can stop any further contributions being made from your salary or wages. You do this by applying for a savings suspension.

You can apply for a savings suspension within the first 12 months of your membership if you’re experiencing, or likely to experience, financial hardship.

Applying for a savings suspension

Last updated: 28 Apr 2021
Jump back to the top of the page