Social Security Agreement with Guernsey - living in Guernsey

Who can get NZ Super or Veteran's Pension

You may be able to get NZ Super or Veteran's Pension while you're living in Guernsey if you:

• meet the criteria for NZ Super or Veteran's Pension. However you will be ordinarily resident in Guernsey instead of NZ when you apply
• have been resident in NZ for at least 1 year from age 20
• are in New Zealand or Guernsey when you apply, and
• intend to be ordinarily resident in Guernsey for at least 26 weeks from when you apply.

You need to have lived in New Zealand for a certain amount of time to get NZ Super or Veteran's Pension. If you haven't, you may be able to use your or your partner's time you've spent contributing to the Guernsey insurance scheme to meet this criteria.

To use this time, you must have:

• been ordinarily resident in NZ for at least 1 year from age 20, and
• contributed to the Guernsey insurance scheme for at least 12 months.

Who can get Supported Living Payment

You may be able to get Supported Living Payment for a health condition, injury or disability while you're living in Guernsey if you:

• meet the criteria for Supported Living Payment
• are 21 or older
• have lived in New Zealand for at least 1 year from age 20
• are ordinarily resident in New Zealand when you apply, and
• intend to live in Guernsey for at least 26 weeks from when you apply.

You need to have lived in New Zealand for a certain amount of time to get Supported Living Payment. If you haven't, you may be able to use your or your partner's time you've spent contributing to the Guernsey insurance scheme to meet this criteria. To use this time, you must have lived in NZ continuously for at least 1 year from age 20.

Any overlapping periods can only be counted once.

Who can get Sole Parent Support for widows or widowers

You may be able to get Sole Parent Support as a widow or widower while you're living in Guernsey if you:

• meet the criteria for Sole Parent Support
• are 21 or older
• are the parent of one or more dependent children whose other parent is deceased
• have lived in New Zealand for at least 1 year from age 20
• are ordinarily resident in NZ when you apply, and
• intend to be live in Guernsey for at least 26 weeks from when you apply.

You need to have lived in New Zealand for a certain amount of time to get Sole Parent Support. If you haven't, you may be able to use your or your late partner's time contributing to the Guernsey insurance scheme to meet this criteria. To use this time, you must have lived in NZ continuously for at least 1 year from age 20. 

Any overlapping periods can only be counted once.

Who can get Guernsey payments

You may be able to get Guernsey payments while you're living in Guernsey. These are the:

• Sickness Benefit
• Bereavement Allowance (formerly Widow's Benefit)
• Industrial Injury Benefit
• Industrial Disablement Benefit
• Invalidity Benefit.

You may need to have lived in Guernsey for a certain amount of time to get a Guernsey payment. If so, you may be able to use periods of residence in New Zealand to meet this criteria.

The Guernsey Social Security Department decides who can get these Guernsey payments.

How to apply for NZ payments

How you apply depends on if you're applying from NZ or Guernsey.

If you're applying for Supported Living Payment or Sole Parent Support, you must apply from NZ.

Applying from NZ

You need to contact International Services at least 4 weeks before you leave NZ.

They will book an appointment for you to come in and see us. At the appointment, you and your partner (if you have one) will complete an application form. This includes questions about your residence in NZ.

We'll ask you to bring these documents to the appointment:

• your passport
• another form of ID, e.g:
  • birth certificate
  • driver's licence
  • marriage certificate
• proof of NZ residency
• your travel itinerary or tickets
• bank account details for the account you want your payments to go into
• any documentation that shows your intent to live in Guernsey, e.g. an accommodation agreement.

You may need to bring other documents, we'll let you know when you call us.

Applying from Guernsey

You need to contact the Guernsey Social Security Department.

You and your partner (if you have one) will need to complete an application form and provide proof of the time you lived in NZ.

This proof can include:

• testimonials
• work references, and
• letters from neighbours and friends.

You'll also need to provide the following documents:

• proof of your identity, e.g:
  • birth certificate
  • passport
  • driver's licence, or
  • marriage certificate
• proof of NZ residency
• bank account details for the account you want your payments to go into, e.g:
  • bank statement
  • deposit slip.

How to apply for Guernsey payments

You need to apply for Guernsey payments when you're in Guernsey. Contact the Guernsey Social Security Department to apply for these payments.

New Zealand payments

If your NZ payments are made to a Guernsey bank account, the amount you get will change each month. This is because it depends on the exchange rate used to convert your payment from NZ dollars to pounds.

New Zealand Superannuation and Veteran's Pension

How much you get is based on the number of years you lived in NZ from age 20. 

If you lived in NZ for:

• 40 years or more from age 20, you'll get the maximum NZ Super or Veteran's Pension rate for your situation
• less than 40 years from age 20, we use the steps below to work out how much you could get.

Step 1: Confirm the number of years you've lived in New Zealand from age 20.

Step 2: Divide this number by 40.

Step 3: Take that answer and:

• if you're single, multiply it by $1,153.60 (the single fortnightly gross rate we use), or
• if you have a partner, multiply it by either:
  • $1,905.88 if both you and your partner qualify for NZ Super or Veteran's Pension (the couple fortnightly gross rate for this situation), or
  • $952.94 if you only you qualify for NZ Super or Veteran's Pension (the couple fortnightly gross rate for this situation).

For example, you're single and you've lived in NZ for 10 years from age 20. Divide 10 by 40 which is 0.25. Then multiply this by the single gross rate of $1,153.60. That gives a fortnightly payment of $288.40 gross.

Supported Living Payment or Sole Parent Support

How much you get depends on how many years you've lived in NZ from age 20.

If you lived in New Zealand for:

• 25 years or more from age 20, you will get the maximum net Supported Living Payment rate or Sole Parent Support rate for your situation
• less than 25 years from age 20, you need to:
  • confirm the number of years you lived in NZ from age 20
  • divide this number by 25, and
  • multiply this answer by the maximum net Supported Living Payment rate or Sole Parent Support rate for your situation

Guernsey payments

The Guernsey Social Security Department decides how much you will be paid. For more information, contact the Guernsey Social Security Department.

You can choose to have your payment made:

• to an overseas bank account every 4 weeks, or
• to a NZ bank account every 2 weeks.

If they go to an overseas bank account, we'll pay the initial cost of transferring the funds. You must pay for any other costs that your bank charges.

If they go to a NZ bank account, you must pay the cost of any transfers overseas.

Taxes

Your NZ payments don’t have any tax taken off them.

For information about your tax obligations, contact the tax authorities in the relevant countries.

We'll let you know what date your payment will start in the letter we send you, once your application's approved.

New Zealand Superannuation or Veterans Pension

Payment will usually start from the date of your application or the entitlement date. It will be whichever is later.

Supported Living Payment and Sole Parent Support 

There may be a stand-down period before we can pay you.

What type of form we'll send you and how often we send it depends on what NZ payment you get.

You get NZ Super or Veteran's Pension

If you get NZ Superannuation or Veteran's Pension, we'll send you life certificates every 12 months.

In some cases, we'll send you a life certificate every 6 months, e.g. if:

• you use an agent,
• your New Zealand Super or Veteran's Pension payments are made to a New Zealand bank account, or
• you're over 80.

You need to return the life certificate within 8 weeks otherwise your payments will stop.

You get Supported Living Payment or Sole Parent Support

If you get Supported Living Payment or Sole Parent Support, we'll send you a renewal form every 12 months.

You need to return the renewal form within 8 weeks otherwise your payments will stop.

Before you leave Guernsey you need to contact:

• our International Services team, and
• Guernsey Social Security Department, if you get a Guernsey payment.

Below are details of what will happen to your NZ payments. Our International Services team will talk you through this when you call and tell you what you need to do.

Talk to the Guernsey Social Security Department for information about what will happen to your Guernsey payment.

Temporarily visiting another country

If you're going to visit another country for 26 weeks or less, your payments will continue while you're away.

If you're going to visit another country for more than 26 weeks, your payments will stop from the date you leave Guernsey. You may have a debt which you'll need to repay.

Moving to another country

NZ has Social Security Agreements (SSAs) with 11 countries. If you move to one of these countries, you'll need to re-apply for your NZ payment under the relevant agreement.

One of the countries NZ has a SSA with is the United Kingdom (UK). If you're moving to the UK, you can't get an NZ payment. You may be able to get a UK payment instead under the UK Social Security Agreement.

If you move to a country that doesn't have a SSA with NZ, your New Zealand payment will stop.

Returning to NZ temporarily

If you return to New Zealand for 26 weeks or less, you'll get the same rate of payment you were getting in Guernsey.

Returning to NZ permanently

If you return to New Zealand permanently, you may be paid the full NZ rate less any payment you get from Guernsey or another country.

You need to contact us when you return to NZ so we can assess your payments.

You still need to tell us about any changes to your circumstances while you're living in Guernsey. These changes may affect your payments. You also need to tell the Guernsey Social Security Department about these changes.

These changes could include:

• entering a relationship, or
• moving address.