Retirement no longer means stepping away from work entirely. Across New Zealand, a growing number of people aged 65 and over are staying engaged in paid employment, either part-time, casually, or in self-employed arrangements. This shift reflects broader changes in how New Zealanders approach later life, with many finding that continued work offers not just income but also structure, purpose, and social connection.

Workforce participation for people over 65

Workforce participation among New Zealanders aged 65 and over has risen steadily over recent decades. Statistics New Zealand data shows that older workers make up an increasing share of the active labour force, driven by longer life expectancy, better health outcomes, and changes to superannuation expectations. Many employers have also begun recognising the value of experienced older workers, particularly in sectors facing skill shortages such as healthcare, education, and trades.

It is worth noting that receiving New Zealand Superannuation does not prevent a person from working. NZ Super is not means-tested against employment income, meaning recipients can earn a wage or salary alongside their superannuation payments without any direct reduction in their entitlement. This makes part-time or casual work a practical and financially straightforward option for many retirees.

Working in retirement – information and insights

For those considering employment in retirement, there are several practical areas worth understanding. Employment law in New Zealand applies equally to workers of all ages — there is no mandatory retirement age, and age-based discrimination in hiring or workplace treatment is prohibited under the Human Rights Act 1993. Older workers have the same rights to fair pay, safe working conditions, and protection from unfair dismissal as any other employee.

The types of work older New Zealanders commonly take on include consultancy and contract roles that draw on decades of professional expertise, part-time retail or hospitality positions, community or volunteer-adjacent roles with stipends, and self-employment ventures such as tutoring, gardening, or craft-based businesses. Flexible arrangements are often preferred, as they allow for travel, family commitments, and managing health needs alongside work.

Tax obligations also apply when working in retirement. Income earned through employment is taxable, and it is important to ensure the correct tax code is used — particularly when receiving NZ Super at the same time as employment income, as this can affect the applicable tax rate. Inland Revenue (IR) provides guidance on selecting the right tax code for secondary income sources.

Employment trends for older workers

Employment trends for older workers in New Zealand reflect a wider global pattern: people are working longer, and the nature of that work is changing. Contract and gig-style arrangements have become more accessible, with platforms and networks making it easier for older adults to offer services on their own terms. Sectors such as aged care, education support, and professional services have actively sought to retain or recruit workers over 65, recognising the value of institutional knowledge and life experience.

At the same time, challenges remain. Some older job seekers report difficulties re-entering the workforce after a period of retirement, citing employer perceptions around technology adaptability or long-term commitment. Upskilling opportunities — particularly in digital tools — can help address these barriers. Organisations such as Ako Aotearoa and various regional employment support services offer training and career guidance tailored to older adults.

Health and wellbeing considerations are also relevant. While many people aged 65 and over are in good health and fully capable of sustained employment, it is sensible to consider the physical and cognitive demands of any role chosen. Maintaining a balance between work and rest supports long-term wellbeing and allows people to continue working on their own terms for as long as they choose.

For New Zealanders navigating working life in their later years, the landscape offers genuine opportunity alongside important considerations around rights, tax, and personal circumstances. Staying informed and seeking guidance where needed allows older workers to participate in the workforce in ways that genuinely suit their lives.