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). You may need to provide medical evidence to support your application. If your application to withdraw is approved, you can withdraw some, or all, of your savings. 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.

How to apply Complete the Contact us form, and we’ll reach out to guide you in the right direction.