Frequently asked questions
199 quick answers. Use your browser's find (Ctrl/Cmd+F) or search the whole site.
Redundancy
What is redundancy in New Zealand?
Redundancy is when your employer decides your job is no longer needed, for genuine business reasons like restructuring, falling work or new technology. It is not about your performance or conduct. The employer must follow a fair process and consult you before deciding.
My boss just told me my job is at risk. What now?
Being 'at risk' is a proposal, not a decision. Ask for the proposal and the information behind it in writing, ask for time to respond, and bring a support person or union rep to meetings. Nothing is final until the employer has genuinely considered your feedback.
Do I have to be paid redundancy compensation?
Only if your employment agreement says so. New Zealand law has no automatic redundancy pay. Check your agreement, any collective agreement and your company policy for a redundancy clause.
How much redundancy pay should I get?
There is no legal formula. If your agreement has a clause, it sets the amount (often a number of weeks per year of service). If it has none, you can still ask for a payment as part of negotiating the exit, but the employer does not have to agree.
Is redundancy pay taxed?
Yes. Redundancy compensation is generally taxable income and is taken off via PAYE, often at a higher rate because it is added to your pay for that period. You may get some back in your end-of-year tax assessment, so check with Inland Revenue if the tax looks wrong.
Does my employer have to give me notice if I'm made redundant?
Your employment agreement sets your notice period. The employer must give that notice or pay you instead (if the agreement allows pay in lieu). There is no one-size legal minimum for notice itself, so check your agreement.
Do I have to work out my notice period?
Usually yes, unless the employer agrees to pay you instead or puts you on 'garden leave' (paid but not working). You are still paid and still bound by your agreement during that time.
Can I be made redundant while I'm on sick leave, ACC or parental leave?
A redundancy for genuine reasons can still happen, but your employer must not treat you worse because you are on leave. The role must be genuinely surplus, and the process must be fair. If you think leave was a factor, get advice quickly because of the 90-day deadline for a personal grievance.
Can my employer make me redundant and then hire someone else for the same job?
If the same role is quickly re-advertised or filled, the redundancy may not have been genuine. That can support a personal grievance for unjustifiable dismissal. Keep any evidence you have and raise it within 90 days.
What does 'consultation' actually mean?
Your employer must share enough information for you to understand the proposal, give you a real chance to comment, and genuinely consider what you say before deciding. A meeting where the decision is already made is not consultation.
Can I bring someone to a redundancy meeting?
Yes. You can bring a support person, union delegate or representative. It helps to have someone taking notes, because you may be too stressed to remember everything.
How does my employer choose who is made redundant?
The selection process must be fair and based on objective, job-related criteria (for example skills, qualifications and the work needed), applied consistently. Last-in-first-out is only used if your agreement says so. Ask to see the criteria and your scores.
Do I have a right to be redeployed to another job in the company?
The employer must genuinely consider whether there are other suitable roles for you, and many agreements require this. Ask in writing what vacancies exist and whether you can apply. Failing to consider redeployment can make a redundancy unjustified.
Can I leave early if I find another job during my notice period?
Often yes by agreement. Ask your employer in writing to release you early and confirm they will still pay redundancy compensation if your agreement provides it. Do not just stop turning up, because that can put your entitlements at risk.
Is a 'voluntary redundancy' the same as resigning?
No. Voluntary redundancy means you volunteer to take a redundancy offer when the employer has a surplus of roles. Resigning is leaving on your own and may not carry redundancy pay or the same Work and Income treatment. Get the terms in writing before agreeing.
Should I sign a settlement agreement or release?
You do not have to sign straight away. Settlement agreements often waive your right to raise a personal grievance, so get free advice first from Community Law, a union or Employment New Zealand. A settlement reached through mediation is binding once it is signed by a mediator.
Can I negotiate my redundancy package?
Often yes. You can ask for more compensation, longer notice, a good reference, retention of a laptop or phone, outplacement support, paid time off for interviews, or an agreed wording for why you left.
What is a restructure or 'change proposal'?
It is a formal plan to change how the business is organised, which can disestablish, merge or change roles. The employer must consult affected staff about the proposal before it is confirmed.
What if my employer is in financial trouble and might not be able to pay me?
Keep records of hours worked and any unpaid wages and holiday pay. If the company goes into liquidation, some employee claims get preferential treatment, but there are limits and you may not receive everything.
My employer went into liquidation. Am I still owed my pay?
You become a creditor and should lodge a claim with the liquidator. Some wages and holiday pay rank ahead of other unsecured creditors, up to a limit. You can also apply for Work and Income help straight away.
What happens to my KiwiSaver, leave and other entitlements when I'm made redundant?
Your final pay must include any outstanding wages and unused annual leave. Your KiwiSaver stays with your provider and keeps growing. Redundancy compensation, if any, is separate from these.
How long do I have to challenge an unfair redundancy?
You generally have 90 days from when you found out about the action to raise a personal grievance with your employer (12 months if it involves sexual harassment). Do it in writing and keep a copy.
Money & bills
I've lost my job. What should I do about money first?
Work out your essential weekly costs, apply for Jobseeker Support straight away, and contact your biggest creditors before you miss payments. Free budgeting help is available from MoneyTalks.
How long will my savings last?
Add up your savings, subtract any debts due, then divide by your essential monthly spending to see your 'runway' in months. Our money runway tool does this for you.
Who can help me with a budget for free?
MoneyTalks is a free, confidential service on 0800 345 123 (or text 4029). Budgeting services in your area are also listed on the MoneyTalks website.
Can I ask for more time to pay bills?
Yes. Most power, phone and insurance companies have hardship teams. Call, say you have lost your job, and ask for a payment plan or a pause. Ask for the arrangement in writing.
What if I can't pay my power bill?
Contact your retailer early and ask about hardship support. Retailers must follow guidelines before disconnecting you, and Work and Income may help with an urgent cost.
What is a hardship variation?
Under the Credit Contracts and Consumer Finance Act, you can ask your lender to change the terms of a loan (such as lower payments or a pause) if you are in hardship, like losing your job. The lender must acknowledge your request within 5 working days and decide within 20 working days. The Financial Markets Authority (fma.govt.nz) is the regulator.
Can I ask my bank for a mortgage holiday?
You can ask for a repayment pause or lower payments under a hardship application. Interest usually keeps accruing, so the debt grows. Ask your bank to explain the effect before agreeing.
How do I avoid predatory lenders and 'payday' loans?
These lenders charge very high fees and interest. Ask Work and Income about a hardship advance first, and speak to a free budgeting service. Do not borrow to pay a loan.
What should I do if I'm being harassed by debt collectors?
Collectors must treat you fairly and cannot harass you. Contact the Financial Markets Authority (fma.govt.nz) or a dispute resolution scheme such as Financial Services Complaints Ltd if a lender or collector breaks the rules. A budgeting adviser can negotiate for you.
What is a no-asset procedure?
A way for people who owe between $1,000 and $50,000, have no assets to sell and cannot repay their debts to be released from most of those debts, usually after one year. Student loans and court fines are not included. You apply through the Insolvency and Trustee Service (insolvency.govt.nz). Get advice first.
What is bankruptcy and how does it work in NZ?
A legal process where your assets are managed to repay creditors, and most debts are cleared, usually after three years. It has real consequences for your credit, travel and ability to run a company. Get free advice first from CAB, Community Law or MoneyTalks.
Will being unemployed affect my credit score?
Unemployment itself does not, but missed payments and defaults do. Talking to creditors early and getting hardship arrangements recorded can help limit damage.
Can I withdraw my KiwiSaver if I lose my job?
Not just because you are unemployed. You can apply to withdraw early for significant financial hardship, for example if you cannot meet minimum living expenses. You apply through your KiwiSaver provider and need to provide evidence of the hardship. Contact your provider.
How do I apply for KiwiSaver hardship withdrawal?
Contact your KiwiSaver provider. You will need to provide evidence of significant financial hardship, for example if you cannot meet minimum living expenses or face mortgage enforcement on your home. If accepted, you can withdraw only your own and your employer's contributions. Check ird.govt.nz for the current rules.
Can I take a contributions holiday from KiwiSaver?
Yes. Inland Revenue now calls it a savings suspension. If you have been a member for 12 months or more and have made a contribution, you can take one for 3 months to 1 year with no reason needed, and you can take them back to back. Earlier than 12 months you can apply if you are in financial hardship (default 3 months, up to 1 year). During a suspension you won't get employer contributions unless your agreement says otherwise, and you may need voluntary payments to get the Government contribution. Check ird.govt.nz.
What happens to KiwiSaver when I'm unemployed?
Your balance stays invested. With no wages, no employee or employer contributions come in, so you can make voluntary payments if you can afford it. Your fees still apply.
Can I withdraw KiwiSaver at 65?
Generally yes, from the NZ Super age (currently 65). Check the current rules, including any membership requirement, at sorted.org.nz or ird.govt.nz.
Can I use KiwiSaver for a first home?
Yes, if you have been a member for at least 3 years, it is your first home (or Kāinga Ora confirms you qualify) and you will live in it. At least $1,000 must stay in your account. You apply through your KiwiSaver provider. Check the conditions at kaingaora.govt.nz.
What is the Government contribution to KiwiSaver?
Since 1 July 2025 the Government adds 25 cents for every dollar you contribute, up to a maximum of $260.72 a year. You need to put in roughly $1,043 of your own money between 1 July and 30 June to get the full amount (employer contributions don't count). You don't qualify if your taxable income is over $180,000. Check ird.govt.nz/kiwisaver for eligibility and the current figures.
How much do I and my employer have to contribute to KiwiSaver?
From 1 April 2026 the default employee and employer rate is 3.5% (up from 3%), rising to 4% from 1 April 2028. If you are struggling you can ask to stay at 3% for 3 to 12 months. Check ird.govt.nz/kiwisaver-changes.
Is it worth contributing to KiwiSaver when I'm broke?
In a crisis, essentials come first. If you can't afford contributions, a contributions holiday is a reasonable choice. You can restart when you are earning again.
What are my options if I can't pay my rent?
Tell your landlord as soon as you can, ask for a short-term payment plan in writing, and apply for help from Work and Income. Do not ignore notices: a landlord can send a 14-day notice to remedy for unpaid rent, and if you've been 5 working days late three times within 90 days they can apply to the Tenancy Tribunal.
Do I still have to pay a student loan if I'm unemployed?
Repayments are income-based. If you are in New Zealand and earning below the repayment threshold, you generally do not have to make repayments. Update your details with IRD if your income changes.
How do I cut costs fast?
Review subscriptions, insurance, phone and internet plans, switch power retailer, and ask for a hardship plan. A free budgeting adviser can help prioritise. Don't cancel health or income protection cover without checking.
Should I keep paying my life, health or car insurance?
Check which policies matter most. Cancelling health or income protection can be costly later. Ask the insurer about premium holidays or lower cover rather than cancelling outright.
What free money might I be missing?
Check Working for Families, Accommodation Supplement, Community Services Card, Disability Allowance, KiwiSaver unclaimed money, unclaimed funds from IRD, and any refund of overpaid tax.
Does Working for Families change if I lose my job?
Yes. Your Working for Families entitlement depends on your family income and your hours of work. Update Inland Revenue as soon as your income changes. Family Tax Credit rates are about $151.91 a week for the first child (check current rates).
Can I get a hardship loan without interest?
Work and Income can give advances on your benefit without interest. There are limits and you repay from future payments. Community lenders like Nga Tangata Microfinance and Good Shepherd offer low or no-interest loans to eligible people.
How do I deal with a scam when I'm desperate for money?
Be cautious of any job or investment that asks for upfront payment, or loans promising guaranteed approval. Report scams to CERT NZ or Netsafe, and don't give out bank details to unverified people.
What is a tax code and what should mine be?
Your tax code tells your payer how much tax to take. M is standard for main income. If you have two jobs, your second job uses S, SB or SH depending on your income. A wrong code causes under- or overpayment.
What is the tax code for Jobseeker Support?
Work and Income deducts tax from benefits using the code you provide on your IR330. Use M unless you have other income that needs a different code, and ask IRD if unsure.
What is an IR3 and do I need to file one?
An IR3 is an individual income tax return. You need one if you have income not fully taxed, such as self-employment or rental income. The tax year ends 31 March, and returns are generally due 7 July unless you use a tax agent, who may be able to give you an extension. Check ird.govt.nz.
Do I have to file a tax return if I was on a benefit?
Usually no, because benefit payments are taxed at source. If you had other untaxed income, check whether IRD needs a return from you.
Do I get a tax refund after losing my job?
Possibly, if your PAYE over the year exceeded the tax on your total income. IRD usually calculates this automatically after 31 March. Keep your myIR details up to date.
What is PAYE?
Pay As You Earn is how your employer deducts income tax from your wages and pays it to IRD. Your payslip shows how much.
Work and Income
What is Jobseeker Support?
It is the main Work and Income payment for people who are unemployed, looking for work, or unable to work full-time because of a health condition or disability. You have to meet residence, income, asset and work-search requirements.
How much is Jobseeker Support?
From 1 April 2026, a single person aged 25 or over gets $372.55 a week after tax ($426.12 before tax). A sole parent gets $521.52 after tax, and a couple without children get $633.94 combined after tax. Rates change each April.
How do I apply for Jobseeker Support?
Apply online through MyMSD or call Work and Income. You will need your IRD number, bank account, ID and details of your last job and any income. Apply as soon as you lose work, because backdating is limited.
How long does it take for Jobseeker to start paying?
Once approved, payments start after any stand-down ends, and the first week is paid in arrears. Apply as soon as you lose work, and ask Work and Income about the date your payment will start.
What is a stand-down?
A waiting period before your first benefit payment if you earned enough recently. It is 1 or 2 weeks depending on your average weekly income, relationship and number of children. It can be up to 13 weeks if you left a job without good reason or were dismissed for misconduct.
How long is my stand-down after redundancy?
Usually 1 week if your average weekly gross income over the past 26 or 52 weeks was at or below about $1,620.67 (single, no children), otherwise 2 weeks. Use the stand-down calculator on this site.
Does my redundancy payment affect my stand-down?
If you receive redundancy pay, your stand-down is still 1 or 2 weeks, depending on the amount. Tell Work and Income exactly what you received. If you think the stand-down was calculated incorrectly, ask them to check it.
Can I get help while I'm waiting out a stand-down?
Yes. You may be able to get a hardship grant, food support or help with urgent costs while you wait. Ask Work and Income, and apply as soon as you need it.
What is the income limit for Jobseeker Support?
Your combined weekly income must be under about $693 for a single person aged 25 or over (the figure varies by age and household). Above that, you won't get any payment. Check the current rates on the Work and Income site.
Is my partner's income counted?
Yes. Jobseeker Support is based on your combined income if you have a partner, and their income can reduce or stop your payment. The limit for a couple is higher than for a single person.
Do my savings affect whether I can get a benefit?
Jobseeker Support has no cash asset test. Other help does: for example, the Accommodation Supplement has a cash limit of $8,100 for a single person or $16,200 for a couple, and urgent grants and advances have separate asset rules.
What is the Accommodation Supplement?
Weekly help with rent, board or mortgage costs. The maximum depends on where you live and your household. For a single person it ranges from $70 to $165 a week by area.
What is Temporary Additional Support?
Weekly help for people whose essential costs exceed their income and who have no other way to cover them. It is granted for up to 13 weeks at a time and can be renewed.
What is a Special Needs Grant?
A one-off, non-repayable grant for essentials such as food, emergency dental or other urgent costs. There is an income limit and a requirement that you can't pay the cost yourself.
What is the Transition to Work grant?
A grant of up to $1,500 per 52 weeks to help with the cost of starting or looking for work, like tools, a work uniform or transport. You apply through Work and Income.
Can I get food help from Work and Income?
Yes. Work and Income can pay for food and other urgent costs if you can't afford them. Foodbanks and community pantries also help without any application, so you can use them while waiting.
What are my Jobseeker obligations?
Generally you must be available for and actively looking for work, attend appointments, accept suitable offers, and keep your details up to date. A traffic light system is used if you do not meet them.
What happens if I miss an appointment with Work and Income?
Contact them as soon as you can, before the appointment if possible. Missing an appointment without a good reason can affect your payment under the obligations rules. Explain any health or transport issue.
What is the traffic light system?
A system showing how well you are meeting your obligations. Green means you are on track. Orange means you missed an obligation without a good reason, and you need to contact Work and Income straight away. If you are not back on track within 5 working days you move to red, where your payment can be reduced or stopped. At red you may be put on an activity such as upskilling or report job search instead of having your benefit reduced or stopped. Check the current rules at workandincome.govt.nz.
Can I be sanctioned for turning down a job?
Potentially, if the job is suitable and you did not have a good reason. Good reasons include health, caring duties and unsafe or unsuitable conditions. Always explain your reasons to your case manager.
How do I appeal a Work and Income decision?
Ask Work and Income for a review of decision, generally within 3 months of the decision (this can be extended if you have a good reason). Call them first, as they may fix it, then apply by form or letter. If the review does not change the decision, your case goes to a Benefit Review Committee, and you can then appeal to the Social Security Appeal Authority within 60 working days of receiving the committee's report. A CAB or Community Law can help for free.
Can I work part-time while on Jobseeker Support?
Yes. You report your income, and your payment reduces as you earn more. If your income goes over the limit, your payment stops. Always report earnings on time to avoid overpayments.
What if I've been overpaid by Work and Income?
You may have to repay it, but you can arrange affordable repayments or ask for a review if the overpayment wasn't your fault. Contact them and do not ignore letters.
Do I have to repay Work and Income grants and advances?
Grants such as Special Needs Grants don't have to be repaid. Advances (a payment in advance of your benefit) and some Recoverable Assistance are repaid in instalments from your payments.
What if my benefit stops without warning?
Call Work and Income and ask why, and check MyMSD and your mail for notices. If they stopped it wrongly, ask for a review and for urgent help while it is sorted.
Can I get a benefit if I'm studying?
Full-time students normally get a Student Allowance instead of Jobseeker Support, though there are exceptions. Ask Work and Income or StudyLink for your situation.
Can I keep my benefit if I go overseas?
Only if Work and Income approves the reason before you leave. The standard limit is 28 days, with longer periods for some reasons (such as certain medical treatment or vocational training). If the reason isn't approved, your benefit will most likely stop the day after you leave. Tell Work and Income before you go, and check workandincome.govt.nz.
Can I get a Community Services Card?
Possibly. Eligibility is based on income and family size, with income limits around $37,116 for a single person and $55,501 for a couple (check current figures). It reduces costs for GP visits and prescriptions.
How do I contact Work and Income?
Call 0800 559 009, or use MyMSD online. If you are in crisis or have urgent needs, say so at the start of the call.
What is the Direct Career Service?
A free MSD service helping people who have just lost a job (or are at risk) with career advice and job connections. Call 0800 222 733.
What help is there for employers and workers in a mass redundancy?
MSD's Redeployment Support team supports businesses and staff facing large redundancies. Employers can email RedeploymentSupport@msd.govt.nz.
Can I get Jobseeker Support if I quit my job?
Possibly, but you may face a non-entitlement period of up to 13 weeks if you left without a good reason. Good reasons exist, such as unsafe work, health, or being forced out. Explain fully and get advice.
What if I was fired for misconduct?
You can still apply, but Work and Income may apply a non-entitlement period of up to 13 weeks. You can seek review, and you may have a personal grievance claim if the dismissal was unjustified.
Can I get help with rent arrears from Work and Income?
Possibly through Temporary Additional Support, an Accommodation Supplement, or a recoverable advance. Tell them you are behind and what notices you have received.
Your rights
What am I owed in my final pay?
Your final pay should include wages up to your last day, any unused annual leave (paid out), and any other entitlements in your agreement such as redundancy compensation, notice pay or bonuses that are due.
When must my final pay be paid?
Your final holiday pay must be paid on or before the pay day of your final pay period, which can be after your last day. Final wages and other amounts owing are usually paid at the same time. If it is late or wrong, raise it in writing, then contact Employment New Zealand.
How is unused annual leave paid out?
It is paid at your ordinary weekly pay, or your average weekly earnings if that is higher (for example if you earn commission or work irregular hours). Ask for the calculation to be shown to you.
How much annual leave do I get in New Zealand?
Four weeks per year after 12 months of continuous employment. Employers cannot force you to take it without proper notice, and unused leave is paid out when you leave.
If I've worked less than a year, am I owed holiday pay?
Yes. If you have not yet earned four weeks of annual leave, you are paid 8% of your gross earnings since you started (or since your last anniversary) when you leave.
Can my employer deduct money from my final pay?
Only in limited cases: with your written consent, or where the law allows (like PAYE or child support). They cannot take money off unilaterally for things like a damaged laptop without your agreement.
Is there a minimum notice period in NZ?
Your employment agreement must say what notice applies. The law does not set a universal minimum, so it depends on your contract. If the agreement is silent, 'reasonable' notice is expected.
What is the minimum wage?
The adult minimum wage is $23.95 an hour (from 1 April 2026). Check Employment New Zealand for the starting-out and training rates and for any change.
How many days of sick leave do I get?
Ten days a year after six months of employment. Unused days carry over up to a maximum of 20 days. Check Employment New Zealand if your leave entitlement is changing, because changes are expected in 2028.
What is a personal grievance?
It is a formal complaint that your employer treated you unfairly, such as unjustified dismissal (including a sham redundancy), unjustified disadvantage, discrimination or harassment. You must raise it within the time limit.
How do I raise a personal grievance?
Tell your employer in writing, in enough detail that they can respond, within 90 days. Then try mediation. You can get free help from Employment New Zealand and Community Law.
What is mediation and is it free?
Employment mediation is a free service from the Ministry of Business, Innovation and Employment where a mediator helps both sides reach a settlement. It is quick and confidential, and a settlement signed with a mediator is binding.
What is unjustified dismissal?
A dismissal is unjustified if the employer's actions and how they acted were not what a fair and reasonable employer could have done. Redundancies, firings and forced resignations can all be challenged on this basis.
What is constructive dismissal?
When you resign because your employer's serious breach or unreasonable conduct left you no real choice. It is hard to prove, so get advice before resigning.
Can I be fired without warning?
Only for serious misconduct, and even then the employer must investigate and give you a chance to respond. Otherwise they need a fair process, usually including warnings or an opportunity to improve.
What is a 90-day trial period?
A clause letting an employer end a new employee's job within the first 90 calendar days without a fair process or reasons, and without facing an unjustified dismissal claim. Since 23 December 2023 any employer can use one. It only counts if you signed the agreement containing it before you started work, and the employer must still give the notice your agreement requires (or reasonable notice). A trial can't be used if you have worked for that employer before. You can still raise a personal grievance if you were not given notice, you started work before signing, or the agreement did not mention a trial. Trial rules were changed again in 2026, so check the current rules at employment.govt.nz.
Can an employer use a 90-day trial on a migrant on an Accredited Employer Work Visa (AEWV)?
No. Immigration New Zealand does not allow trial periods for workers on an AEWV. If your AEWV job offer or agreement includes a 90-day trial, get advice from Employment New Zealand, Community Law or a licensed immigration adviser. If you were dismissed under a trial period on an employer-specific work visa granted earlier, a Dismissed Worker Visitor Visa (up to 3 months, no work) may be available. Check immigration.govt.nz.
My employer hasn't given me a written contract. What are my rights?
Employers must give you a written employment agreement. If you do not have one, you still have all the minimum rights (such as minimum wage, holidays and sick leave). You can ask for one in writing and contact Employment New Zealand.
What is a 'high income' employee and why does it matter?
From 21 February 2026, employees earning above $200,000 a year may be excluded from personal grievance claims for unjustified dismissal if their agreement says so. Check Employment New Zealand, as there is a transition period until 21 February 2027.
Do I get paid for public holidays?
If you would normally have worked the day, you get paid for it. If you work on it you get time-and-a-half, and an alternative holiday if it would otherwise have been a working day. You can claim up to 12 public holidays a year (including Matariki and your regional anniversary day), depending on how the dates fall.
What are my rights if my pay is late or wrong?
Raise it in writing with payroll first. If it is not fixed, contact Employment New Zealand's helpline. You can lodge a claim for unpaid wages, and the Labour Inspectorate can investigate.
Is it legal for an employer to refuse a reference?
There is no law requiring a reference. Employers who give one must be honest. You can ask for a written reference to be agreed as part of a settlement.
Who can give me free employment law advice?
Employment New Zealand (0800 20 90 20), Community Law centres, Citizens Advice Bureau (0800 367 222) and your union if you are a member. All offer free or low-cost advice.
Do I have to be paid for a trial shift?
Yes. A trial shift is work. Unpaid trials are only legal if they are brief, genuinely a skills assessment, and you are not doing productive work for the business. Contact Employment New Zealand if you are unsure.
Finding work
Where do I start looking for work after redundancy?
Update your CV, tell your network, register on Seek, Trade Me Jobs and LinkedIn, contact recruiters in your sector, and use Work and Income and Careers NZ services.
How do I explain redundancy in an interview?
Keep it short and factual: the company restructured, your role was disestablished, and you are keen to move on. Don't criticise your ex-employer. Then pivot to what you offer.
Should I put 'redundant' on my CV?
Not necessarily. List your dates and achievements. If asked, briefly say your role was made redundant.
How long should a CV be in New Zealand?
Usually 2-3 pages, concise and focused on achievements. Leave out your date of birth, photo and full home address.
What are my rights in a job interview?
Employers can't discriminate on grounds like age, sex, ethnicity, disability or family status. You don't have to answer irrelevant personal questions.
Do I have to tell a future employer I was made redundant?
If asked, answer honestly. Redundancy is not misconduct and is widely understood.
How do I deal with a gap on my CV?
Be upfront: briefly explain, then show what you did (courses, volunteering, caring, freelance). Employers generally care about what you can do now.
Are recruitment agencies free for job seekers?
Usually. Agencies are normally paid by employers, so be wary of any agency that asks you for a fee.
How do I spot a job scam?
Be wary of ads that ask for money upfront, promise high pay for little work, or ask for bank details early. Check the company on the Companies Office register and report scams to Netsafe.
Is temp or contract work worth taking?
Yes, it can bring income and contacts, and often turns into permanent work. Check your Jobseeker obligations and report your income to Work and Income.
Can I get paid for a 'trial' or work experience?
A genuine trial must be paid if you are doing real work. Volunteering for a charity is different. Ask Work and Income about work-experience programmes that keep your benefit.
How do I find work in a different region?
Search the regional jobs boards, talk to Work and Income about relocation help, and consider seasonal work. Check the cost of living before you move.
How do I get a reference if my employer won't give one?
Ask a former manager, colleague, client or supervisor. You can also negotiate a reference as part of a settlement.
What are 'transferable skills'?
Skills that carry across jobs, like communication, leadership, problem solving, customer service and digital skills. List them with examples on your CV.
Can I ask for flexible working?
Yes. Any employee can ask for flexible working arrangements, and the employer must consider it but may decline for set reasons.
What jobs are in demand in NZ right now?
Check the Careers NZ and Immigration NZ Green List and skills shortage information for current in-demand occupations.
Does Work and Income help with job search?
Yes: case managers, job-search support, work-ready programmes and employer connections are available. Ask for a plan that suits your skills.
Wellbeing
I feel hopeless since losing my job. Is that normal?
Yes. Losing work is one of life's biggest stressors, and feeling anxious, ashamed or low is common. You are not alone, and it does not reflect your worth. Reach out to someone you trust.
Who can I talk to right now?
Call or text 1737 for free, any time. Lifeline is 0800 543 354, Depression Helpline 0800 111 757, and Healthline 0800 611 116. If you are in danger, call 111.
I'm having thoughts of suicide. What do I do?
Please call or text 1737 or call Lifeline on 0800 543 354 now, or call 111 if you are in immediate danger. You do not have to deal with this alone, and help is free and available at any hour.
How do I cope with the shame of being unemployed?
Remind yourself that this was a business decision, not a verdict on you. Share it with someone you trust, keep a routine, and look for connection. Many people are in the same position.
Is there free counselling in NZ?
Free counselling is available through 1737 (call or text), and under the Access and Choice programme at many GP practices. Some employers offer EAP support after redundancy as well.
Does my employer's EAP still work after I'm made redundant?
Many EAPs offer support for a short period after you leave. Ask HR for details before your last day.
How can I keep a routine without a job?
Set a wake-up time, plan a job-search block, exercise daily and schedule something social. Structure helps mood and momentum.
How do I tell my family I've lost my job?
Be honest, plan what to say beforehand, and share the plan as well as the news. Agree on what you need from them. Kids can handle simple, calm explanations.
How do I handle relationship stress during unemployment?
Talk regularly about money and feelings, agree on a budget together, and make time for something enjoyable that costs nothing. If conflict escalates, call a counselling or family service.
I'm worried about family violence. Where can I get help?
Call 111 if you are in danger. For support, call the Family Violence Information Line on 0800 456 450 or Women's Refuge on 0800 733 843 (0800 REFUGE, 24 hours). Check current hours at areyouok.org.nz.
Is mental health support available in te reo or kaupapa Māori?
Yes. Many providers offer kaupapa Māori services, and Whānau Ora agencies support whānau holistically. Ask your GP or call 1737.
Housing
Can my landlord evict me if I lose my job?
Only through the proper process. If you are behind in rent, your landlord can issue a 14-day notice to remedy and apply to the Tenancy Tribunal if you don't catch up. Only the Tribunal can end a tenancy for arrears. Talk to them early and ask Work and Income for help.
Can I break my fixed-term tenancy if I lose my job?
Not automatically. Negotiate with your landlord, ask to sublet or assign the lease, or apply to the Tenancy Tribunal in cases of severe hardship. Get advice from Tenancy Services or Community Law.
How much notice do I need to give to leave a periodic tenancy?
As at October 2026, a tenant needs to give 21 days' written notice to end a periodic tenancy. A landlord needs 90 days for no-cause notice, or 42 days in specific cases (owner or family moving in, sale with vacant possession, or a home needed for employees where the agreement says so). Fixed-term tenancies run to their end date unless both sides agree, and become periodic afterwards unless notice is given 90 to 21 days before the end. Check tenancy.govt.nz.
What if I'm behind on rent?
Contact your landlord, offer a plan in writing, and apply for Work and Income help. Under 21 days behind, a landlord can send a 14-day notice to remedy. At 21 days or more, they can apply to the Tribunal to end the tenancy without that notice. Three overdue-rent notices (each 5+ working days late) within 90 days also lets them apply. Keep records of everything.
Can I get an Accommodation Supplement while unemployed?
Yes, if your rent or mortgage is above the entry threshold and you meet the income and cash asset rules (cash limit $8,100 single, $16,200 couple).
What is emergency housing?
Short-term accommodation for people who cannot stay in their current home and have no other safe options. It is limited, so contact Work and Income straight away if you are at risk of having nowhere to stay tonight. From 1 April 2027 the contribution people in emergency or transitional housing pay rises from 25% to 30% of their assessable income.
Can I get help with a bond?
Yes. Work and Income can give a recoverable grant or advance for bond and rent in advance if you need to move. You usually repay it from your benefit.
What if I can't pay my mortgage?
Contact your lender before you miss payments. They must consider a hardship request. Free help is available from MoneyTalks and a budgeting service. Do not wait until you have defaulted.
Will my bank repossess my house if I lose my job?
Not straight away. Repossession is a last resort and the lender must follow a legal process. Early hardship discussions greatly improve your options.
What is a mortgagee sale?
A sale of your property by the lender to recover a debt after you default. You can still negotiate or sell yourself before that stage, and you have the right to certain notices.
I'm homeless or about to be. Where do I go?
Contact Work and Income, your local council housing team or a social service agency. If you have nowhere safe to stay tonight, tell Work and Income that it's urgent. Call 111 if you are in danger.
Retraining
Can I get free training if I'm unemployed?
Yes. Options include Mana in Mahi, Skills for Industry programmes, free short courses through Work and Income, and subsidised vocational study. Check with your case manager or Careers NZ.
What is Mana in Mahi?
A Work and Income programme that pays you while you train, combining paid work with on-the-job training towards an NZQA-approved qualification at apprenticeship or pre-apprenticeship level. It is for people likely to need a benefit long-term without this help, and you need to be a New Zealand citizen or resident. Check current eligibility with Work and Income.
What is the fees-free scheme?
Fees Free pays back some fees for the final year of tertiary study, or the final two years of work-based learning, for eligible first-time learners. It ends on 31 December 2026: you must complete your qualification or programme by then, and there are no transitional arrangements. You claim through myIR after completing, so check ird.govt.nz/fees-free.
How do I apply for a Student Allowance or Student Loan?
Apply through StudyLink. Student Allowance isn't repaid but is means-tested. Student Loans are repaid through income once you earn above a threshold.
Can I study while on Jobseeker Support?
Often you can for a short course if it helps you get work, but full-time study usually moves you to student support. Talk to your case manager first.
What is an apprenticeship?
Paid work combined with structured on-the-job learning towards a qualification. It can suit adults changing career as well as school-leavers.
How do I know which career to retrain for?
Use the Careers NZ tools, speak to a career adviser (free through Direct Career Service), and research demand and pay.
Can I have my overseas qualification recognised?
NZQA assesses international qualifications. Some professions have their own registration bodies, so check early.
What is Skills for Industry?
Industry-led short training programmes that match unemployed people to jobs in sectors needing workers. Work and Income can refer you.
Families & kids
How does losing my job affect my kids' payments?
Working for Families and other payments depend on income and hours of work, so update Inland Revenue and Work and Income as soon as your situation changes.
Can I get help with school costs?
Ask your school about donations, uniform and camp support, and check Work and Income for hardship grants. Some schools also take part in the free school lunches programme.
Are there free school lunches?
The Ka Ora, Ka Ako programme provides free lunches in many participating schools, but the scheme has been scaled back and changed. Ask your child's school whether it takes part.
What is Best Start?
A Working for Families payment for each child until they turn 3, paid through Inland Revenue. It reduces by 21 cents for each dollar of family income over $79,000, and the rules differ depending on when your child was born. Check the current amount and rules at ird.govt.nz.
Visas & migrants
I'm on a work visa and I've been made redundant. What now?
Your visa conditions may tie you to your employer, so job loss can affect your visa. Contact Immigration New Zealand straight away and speak to a licensed immigration adviser or a community law centre. You generally can't start work for a new employer until a Job Change or variation of conditions is approved. Check immigration.govt.nz for the current process.
How long do I have to find another job on an employer-specific visa?
There is no single timeframe that applies to everyone. It depends on your visa type, conditions and expiry date, so don't assume you have a set grace period. Contact Immigration NZ or a licensed adviser urgently, and check immigration.govt.nz for visa holders whose employment has ended.
Can I get Jobseeker Support on a work visa?
Generally no. Jobseeker Support is for New Zealand citizens and residence class visa holders who have lived here continuously for at least 2 years since becoming a citizen or resident. Temporary visa holders usually can't get it. Ask a community law centre or Work and Income about your situation.
I'm a resident. Can I get a benefit straight away?
Not usually. For Jobseeker Support you need to have lived in New Zealand continuously for at least 2 years since you became a citizen or got your residence class visa, and be ordinarily resident here. Exceptions exist (for example for refugees and protected persons). Check with Work and Income or Community Law.
Can I get emergency help from Work and Income if I'm on a temporary visa?
Some urgent help may be available in limited circumstances, but most temporary visa holders can't get benefits. Foodbanks, community groups and migrant support services can help you directly. Ask Work and Income whether you qualify for anything.
Will redundancy affect my residence application?
It can, especially if your application relies on a job offer or points for skilled employment. Speak to a licensed immigration adviser promptly.
Do migrant workers have the same employment rights?
Yes. All workers in New Zealand, regardless of visa status, have the same employment rights, including minimum wage, leave and protection from exploitation. You can contact Employment New Zealand without losing your visa.
What if my employer is exploiting me and holds my visa over me?
That's illegal. Report to Employment New Zealand or the Labour Inspectorate. Migrant Exploitation Protection Visas exist for some who have been exploited; ask Immigration NZ or a community law centre.
Can I take my KiwiSaver with me if I leave New Zealand?
If you permanently emigrate (not to Australia) you can generally withdraw your KiwiSaver savings after one year away. If you move to Australia you can generally transfer to an Australian complying super scheme instead. Talk to your provider and check ird.govt.nz.
Self-employment
Can I start a business after redundancy?
Yes, but plan carefully. Work and Income, Business Mentors NZ and local Chambers of Commerce offer support. Test your idea before using up your savings.
Does Work and Income help with self-employment?
Work and Income has support such as business training, and in some cases Flexi-wage (self-employment) funding. Ask your case manager what is available.
Do I need to register for GST?
You must register if your turnover from a taxable activity was at least $60,000 in the last 12 months, or you expect it to reach $60,000 in the next 12 months. Below that, registration is optional.
How do I pay tax as a sole trader?
Register with IRD, keep records, file an IR3 each year, and pay provisional tax if your residual income tax from your last return was more than $5,000. Set aside part of each payment for tax.
What is provisional tax?
Tax paid in instalments during the year based on your expected income, for people with income that has no PAYE. Talk to IRD or an accountant.
Am I an employee or a contractor?
The real nature of the relationship matters, not the label in your contract. If you are controlled like an employee, you may be one. Contact Employment New Zealand if unsure.
Can I do gig work (Uber, delivery) while on a benefit?
Yes, but income must be reported and affects your payment. You are also treated as self-employed for tax purposes.
Where can I find a business mentor?
Business Mentors New Zealand matches people with experienced volunteers for free. Local councils and enterprise agencies also offer support.
What is an ACC levy for the self-employed?
Self-employed people pay ACC levies directly. The cost is based on your industry and earnings. ACC will send invoices after you register.
For specific situations
I'm over 55 and made redundant. What are my options?
Look at Jobseeker Support, redeployment into new fields, retraining, part-time and contract work, and NZ Super from age 65. Your KiwiSaver is unavailable until 65 unless you meet hardship rules.
When can I get NZ Super?
At age 65, if you meet residency requirements. Check the Work and Income website for the current rates.
Is age discrimination illegal in hiring?
Yes. The Human Rights Act prohibits discrimination based on age in employment, including hiring. If you think it happened, you can complain to the Human Rights Commission.
I'm under 25 and out of work. What help is there?
Youth services, apprenticeships, Mana in Mahi and Jobseeker Support may help. From 2 November 2026 the criteria for Jobseeker Support are changing for people aged 18 or 19 (and a small number of 16 and 17 year olds). Under-18s usually get the Youth Payment or Young Parent Payment. Check workandincome.govt.nz.
I have a disability or health condition. Can I get support to work?
Yes. Options include Jobseeker Support – Health Condition or Disability, Disability Allowance, Supported Living Payment, Employment Support funds, and Workbridge.
What is Workbridge?
An organisation helping disabled people and those with health conditions find work and stay in work.
I'm Māori. Are there specific supports for me?
Whānau Ora, iwi training and employment programmes, and kaupapa Māori providers offer tailored support. Ask Work and Income for referrals.
Are there services for Pacific peoples?
Yes. Pacific community providers and Pacific employment services support job seekers. Ask Work and Income or your local church or community group.
I'm a carer. Can I be paid?
Carer Support, Supported Living Payment (Carer) and family-carer funding may apply. Ask Work and Income or the Ministry of Health.
I'm a solo parent. What payments should I check?
Sole Parent Support, Jobseeker Support (sole parent $521.52 after tax), Working for Families, Accommodation Supplement, Childcare Assistance and OSCAR subsidy.