Financial Assistance

We know funeral costs can feel overwhelming. Our team can guide you through available financial support—such as WINZ, ACC, KiwiSaver, and insurance—and help with the paperwork to make things easier.

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Kiwisaver Significant Hardship Withdrawal

Kiwisaver Significant Hardship Withdrawal

The KiwiSaver Hardship Withdrawal allows families to access part of a loved one’s KiwiSaver savings when they are facing significant financial hardship, including difficulty paying funeral or burial expenses. This withdrawal is assessed by the person’s KiwiSaver provider and can help cover essential costs such as the casket, cremation or burial fees, venue hire, transport, or other required funeral services. To apply, families must provide documents such as an itemised funeral account, proof of financial hardship, and identification. While KiwiSaver funds cannot cover the full balance of an account, the provider may approve a partial withdrawal to relieve immediate financial pressure. This option gives whānau in Auckland and throughout New Zealand an additional way to manage funeral costs during a difficult time.

Chat with our team if you are experiencing financial difficulty, you may also be eligible for the, WINZ Funeral Grant, Kiwisaver Deceased Estate Withdrawl or ACC Accidental Death Grant

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  • When can you use a KiwiSaver hardship withdrawal for funeral costs?

    You can apply if you’re responsible for funeral expenses and you genuinely can’t afford to pay them. This includes urgent or overdue funeral bills that are creating significant financial strain.

  • How much KiwiSaver can you withdraw?

    You can only withdraw what’s needed to cover the immediate funeral costs. Your KiwiSaver provider will look at your financial situation and decide the amount they can release.

  • How long does it take?

    Most applications are processed within 10–15 working days, depending on how quickly you can provide the required documents.

  • How do you apply?

    We’ll guide you through the entire process. We help you gather the documents, complete the forms, and submit everything to the KiwiSaver provider.

Financial support during a difficult time shouldn’t be confusing.

Our team will guide you through every option - Work and Income, ACC, KiwiSaver, insurance, or bank withdrawals - and help you complete each application correctly. With clear explanations and practical support, we make accessing financial assistance in Auckland simple and stress-free.