1. Help Centre
  2. KiwiSaver Withdrawals
  3. Significant Financial Hardship Withdrawal

How do I make a significant financial hardship withdrawal?

There are strict eligibility criteria around significant financial hardship withdrawals. If you are eligible, complete the hardship withdrawal form.

To make a Significant Financial Hardship withdrawal you must firstly be eligible. This means you must meet one (or more) of the following criteria:

  • If you are a home-owner, you cannot pay your mortgage
  • If you or a dependent has a disability you are unable to pay for modifications to your home to meet special needs
  • You cannot pay for medical treatment for you or a dependent
  • You are unable to pay for funeral costs for a dependent family member
  • You cannot meet minimum living expenses such as power, water and food bills
  • You are unable to meet the cost of palliative care for you or a dependent

The quiz at the bottom of this article can help with clarifying whether you may be eligible.

If you are eligible, click here to download a copy of the hardship withdrawal form.

Please note significant financial hardship withdrawal applications can take up to 15 working days to be processed.

To prevent delays, please ensure:

  • Everything from the checklist is included
  • You provide certified proof of identity
  • You complete every page of the withdrawal form
  • You provide acceptable proof and evidence for all claims
We will always endeavour to communicate any changes in your withdrawal application status to you as soon as we can.