Your guide to home care and support packages
As we age, it’s only natural that we’re able to do a little less over the years. That’s not a welcomed concept for many Kiwis who thrive on independence and being able to do everything for themselves – and for everyone else around them to boot.
In fact, many Kiwis are preferring to age in place (aka in their own homes) rather than move into any kind of retirement facility. For 72%, that’s due to a preference for maintaining a sense of independence, according to our Quality of Life Report.
Yet the reality is that sooner or later, we’re all going to need a hand. That’s where in-home care can come in handy.
What types of services can be included in a support package?
From the basic to the wide-ranging, home care services vary greatly, and are all tailored to an individual’s needs.
Home support services can include:
- Household support: Basic cleaning, meal preparation etc.
- Equipment: Tools to help with safety in the home
- Personal care: Assistance with anything from taking medicines and getting out of bed to showering and dressing
- Carer support: A carer who spends at least four hours per day in the home looking after someone and helping around the house
What are the benefits of in-home care?
Our Quality of Life Report found that things like home maintenance and general safety were common concerns for those remaining in their own homes. In-home care can help bridge that gap by providing assistance around the house and someone to check in on you regularly, offering peace of mind for retirees.
Who is eligible for funded home care support?
Kiwis who are eligible for publicly funded health services are also eligible for a needs assessment for in-home care.
Generally speaking, that’s any New Zealand citizens, as well as a range of other long-term visitors to the country.
A needs assessment is carried out by the Needs Assessment and Service Coordination (NASC) service. They will then be able to tell you about the support services available, which ones are government funded, which ones you may need to pay for, and at what point living independently may no longer be appropriate for the level of care required.
Note that if you are not eligible, an assessor will be able to point you in the right direction for other services that may be able to help.
What about private care options?
If you are not eligible, or prefer additional services for in-home support, there are several options for Kiwis who are willing to pay for these services privately.
Future proofing yourself
Setting up in-home care is like future proofing yourself. Because even if you’re perfectly independent now, it’s never a bad idea to start thinking about what you’ll do when you need a hand.
Funeral insurance is another type of future proofing. It allows you to set up funds to help cover your final farewell, so your family can focus on caring for one another and grieving rather than how to pay for the ceremony and associated costs. Learn more about how Seniors Funeral Insurance can help protect your family from unexpected costs.
Disclaimer: This article provides general information and is not a substitute for legal or medical advice. For specific legal guidance, consult a lawyer. For medical advice or to discuss your health preferences, speak with your doctor or healthcare team.
5 Dec 2025