You may be able to withdraw your full KiwiSaver balance if you are suffering from a serious illness.

A serious illness is an injury, illness or disability that:

  • results in you being totally and permanently unable to engage in work for which you are suited by reason of experience, education or training (or a combination of these things); or

  • poses a serious and imminent risk of death.

You'll need to get a signed declaration from a doctor and submit a KS5 form to the IRD. They will then assess your application and let you know the outcome.

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