# Question 65: I'm retired, own my home and rely mainly on NZ Super. Rates, insurance and power bills are rising in importance for my budget, and I need regular healthcare. I am considering my vote in the 2026 New Zealand general election. What would party policies do about living costs for a retired homeowner on NZ Super?

Collected 2 November 2026

[NZ Election 2026 · Edition 8 study](https://nzbrands.ai/research/nz-election-2026/editions/8)

## ChatGPT

Answer ID: 4051faf4-09f3-4da6-b8e0-1440606aeb1d

# 2026 New Zealand election: what party policies mean for a retired homeowner on NZ Super

Information current to 1 November 2026 · General election: 7 November 2026

Your situation raises an important question: which party would leave you with more money available after paying for the essentials of owning and living in your home?

For someone who:

- Is retired and relies mainly on NZ Super.
- Owns their home, rather than renting.
- Has limited ability to increase their income.
- Faces rising council rates, house insurance and electricity bills.
- Needs regular GP visits, prescriptions and other healthcare.

I would put particular weight on five things:

1. Whether NZ Super remains secure and keeps pace with living costs.
2. Whether there is practical help with council rates.
3. Whether electricity costs can be reduced.
4. Whether healthcare becomes more affordable and accessible.
5. Whether any proposed tax changes could affect your home or retirement income.

There is no single party that clearly offers the best outcome on all five. Some have more attractive healthcare proposals, others have more direct assistance for homeowners, and some propose significant changes to the retirement and taxation systems.

## 1. Comparing the main parties

Here is how the major parties' published positions look from the perspective of a retired homeowner.

### National

Strongest direct focus on senior homeowners

National's approach is to retain universal NZ Super, avoid new taxes and provide targeted assistance.

Its October 2026 retirement announcement includes:

- More funding for affordable housing for seniors.
- Expanded granny-flat building rules.
- A free 0800 Seniors helpline to help older people access government support.
- No new taxes.
- Continued universal NZ Super.
- An expanded rates rebate already introduced for SuperGold holders receiving NZ Super whose rates exceed $2,000.

National also points to its record on additional medicines, cataract and joint operations, and 12-month repeat prescriptions. [Fixing the Basics and Building the Future: National’s plan for retirement](https://www.national.org.nz/news/20261022-retirement)[2026 Election Policy](https://www.national.org.nz/policies)

What this means for you: National has a relatively direct approach to rates assistance and protecting existing savings. However, its retirement-age position is less favourable than Labour's: it supports a gradual increase in the NZ Super eligibility age to 67 from 2044. This would not affect people born before 1979. [Where the parties stand on New Zealand Super](https://www.localmatters.co.nz/general_elections_2026/where-the-parties-stand-on-new-zealand-super/)[Fixing the Basics and Building the Future: National’s plan for retirement](https://www.national.org.nz/news/20261022-retirement)

One important limitation: its senior housing commitments are not the same as a general reduction in council rates or insurance premiums.

### Labour

Strong healthcare and electricity affordability proposals

Labour's policies include:

- Three free GP visits annually for every eligible New Zealander through its proposed Medicard.
- Removing the $5 prescription charge from 1 July 2027.
- A government-backed low-interest loan scheme for household solar panels and batteries.
- Up to $3,000 additional solar support for qualifying low- and middle-income households.
- Making electricity overcharging illegal, with compensation for affected customers.
- A $20 weekly cap on public transport fares.

Labour says its SolarSaver programme could save an average household around $1,000 annually on electricity. [Labour's Cost of Living Plan](https://www.labour.org.nz/election-policy-pages/2026-election-policy-summary-pages/cost-of-living-plan/)[Affordable Healthcare](https://www.labour.org.nz/election-policy-pages/2026-election-policy-summary-pages/affordable-healthcare/)

What this means for you: Labour has some of the clearest proposals for reducing recurring healthcare and power costs.

The three free GP visits could be particularly valuable if you regularly see your doctor. However, if you need more than three visits annually, the additional visits would still need to be paid for under this proposal.

Labour also promises to retain NZ Super eligibility at 65 and not means-test it. [Where the parties stand on New Zealand Super](https://www.localmatters.co.nz/general_elections_2026/where-the-parties-stand-on-new-zealand-super/)[How parties stand on issues affecting older New Zealanders](https://greypowermag.co.nz/politics/how-parties-stand-on-issues-affecting-older-new-zealanders/)

Its proposed 28% capital gains tax applies to profits on the sale of investment properties, not your family home. So simply owning and living in your house would not make you liable.

### Green Party

Broadest proposed public-service and power support

The Greens propose a more interventionist approach to living costs.

Their policies include:

- Retaining universal NZ Super and the age of eligibility at 65.
- Moving towards free primary healthcare.
- Removing prescription charges.
- Free dental care.
- More support for older people to remain living independently.
- Expanded home insulation and solar support.
- Zero-interest clean-energy loans for solar panels and batteries.
- Establishing a publicly owned electricity company called Kiwipower.

The Greens say Kiwipower would help provide affordable, secure renewable electricity. [How parties stand on issues affecting older New Zealanders](https://greypowermag.co.nz/politics/how-parties-stand-on-issues-affecting-older-new-zealanders/)[Green Party launches plan to cut power bills and take power back from the big energy companies](https://www.greens.org.nz/green_party_launches_plan_to_cut_power_bills_and_take_power_back_from_the_big_energy_companies)

What this means for you: The Greens have potentially attractive longer-term proposals if electricity, prescriptions and healthcare are major expenses.

The main consideration is that their approach involves greater government intervention and additional taxation, including wealth-related taxation. You would need to examine the detailed thresholds and exemptions rather than assume that every homeowner would be affected equally.

### New Zealand First

Emphasis on electricity-market reform and protecting NZ Super

NZ First's policies include:

- Maintaining NZ Super eligibility at 65.
- Maintaining NZ Super at 66% of the net average wage for couples.
- Breaking up the large electricity companies that both generate and retail electricity.
- A shift towards preventative healthcare.
- More coordination between primary, community and aged care.
- A proposed Seniors Housing Plan.

It also proposes restricting NZ Super eligibility to New Zealand citizens from 2029. [Our Policy](https://www.nzfirst.nz/policy)[How parties stand on issues affecting older New Zealanders](https://greypowermag.co.nz/politics/how-parties-stand-on-issues-affecting-older-new-zealanders/)[Where the parties stand on New Zealand Super](https://www.localmatters.co.nz/general_elections_2026/where-the-parties-stand-on-new-zealand-super/)

What this means for you: Its electricity proposal is relevant to your rising power bills, although breaking up electricity companies does not automatically guarantee lower household prices.

Its commitment to retaining the existing retirement age is reassuring if protecting NZ Super is your priority.

### ACT

Important retirement-age consideration

ACT's approach emphasises reducing government spending, limiting taxation and encouraging private investment.

Its proposals include:

- Gradually raising NZ Super eligibility to 67 by 2035.
- Early access from 65 for qualifying people with long careers in physically demanding work.
- An additional $400 million for general practice over four years.
- Expanding pharmacist healthcare services.
- Removing tax on KiwiSaver investment earnings while discontinuing the government KiwiSaver contribution.

[ACT New Zealand](https://www.act.org.nz/fiscalplan)[Where the parties stand on New Zealand Super](https://www.localmatters.co.nz/general_elections_2026/where-the-parties-stand-on-new-zealand-super/)

What this means for you: If you are already receiving NZ Super, ACT says existing recipients would not lose their entitlement through the proposed age change.

Its healthcare funding proposals may improve access, but they do not offer the same specific free GP visit and prescription commitments as Labour.

### The Opportunities Party (TOP)

Most significant proposed change to homeowner taxation

TOP's Citizens' Income and Tax Reset proposals deserve particular attention if you own a valuable home but have relatively little disposable income.

Its proposals include:

- Replacing NZ Super with a Citizens' Income and an additional payment to bring eligible older people's income up to current NZ Super levels.
- A proposed annual 1.75% land value tax on urban land.
- Allowing superannuitants to defer land tax payments.
- Interest-free rates deferral for older homeowners.
- A stronger focus on preventative and community healthcare.
- Increased investment in primary healthcare.

TOP says its longer-term income and retirement reforms would not reduce older people's payments immediately. [How parties stand on issues affecting older New Zealanders](https://greypowermag.co.nz/politics/how-parties-stand-on-issues-affecting-older-new-zealanders/)[Where the parties stand on New Zealand Super](https://www.localmatters.co.nz/general_elections_2026/where-the-parties-stand-on-new-zealand-super/)[Voter guide: how five parties’ tax and policy plans would affect your household budget](https://thegist.co.nz/election-2026-how-party-policies-would-affect-household-budgets/)

What this means for you: Deferring rates could help with immediate cash flow. However, an annual land tax is a substantial potential liability for a homeowner, even if payment can be deferred.

For a retired person with a valuable home and modest income, this is a particularly important policy to investigate carefully.

## 2. How the policies compare on your actual bills

| Your expense | Parties with particularly relevant proposals |
| --- | --- |
| NZ Super security | Labour, Greens, NZ First |
| Rates assistance | National, TOP |
| House insurance | No clear direct premium-reduction commitment identified |
| Electricity | Labour, Greens, National, NZ First |
| GP visits | Labour, Greens, ACT |
| Prescriptions | Labour, Greens |
| Dental care | Greens |
| Ageing at home | Greens, TOP, NZ First |
| Avoiding new taxes | National, ACT |

This is where I think an important distinction needs to be made.

A policy can sound attractive nationally but do little for your personal budget. For example, a tax cut on employment income is unlikely to help someone whose principal income is NZ Super.

Likewise, an electricity policy that increases future generation might eventually reduce prices, but it won't necessarily reduce next year's power bill.

## 3. The two issues that deserve extra attention

### Council rates: National versus TOP

These are particularly important because you cannot easily avoid rates when you own your home.

- National: Has expanded the existing rates rebate for eligible SuperGold holders receiving NZ Super whose annual rates exceed $2,000. This is a practical form of assistance rather than simply promising to reduce future rates.
- TOP: Proposes interest-free rates deferral for older homeowners. This could help you manage cash flow, but deferred rates remain a liability.
- Other parties: I have not identified an equally specific, comparable rates-relief commitment in the policies reviewed.

My assessment: National's approach is more immediately relevant if you qualify for the rebate. TOP's could be useful if you struggle with annual payments, provided you are comfortable with the deferred liability. [Fixing the Basics and Building the Future: National’s plan for retirement](https://www.national.org.nz/news/20261022-retirement)[How parties stand on issues affecting older New Zealanders](https://greypowermag.co.nz/politics/how-parties-stand-on-issues-affecting-older-new-zealanders/)

### House insurance: a significant policy gap

This is an area where I would be cautious about party promises.

The Reserve Bank reported in May 2026 that the average annual domestic building insurance premium was approximately $2,900, with insurance costs rising faster than general inflation over the longer term.

It specifically identified retirees and lower-income households as potentially vulnerable to insurance affordability problems. [Financial Stability Report May 2026 - Reserve Bank of New Zealand](https://www.rbnz.govt.nz/financial-stability/financial-stability-report/financial-stability-reports/2026/may/financial-stability-report-may-2026/web-version)

I haven't found a firm, direct commitment from the major parties to subsidise ordinary home insurance premiums or cap increases.

This means you should not assume that voting for a party with a strong cost-of-living policy will necessarily solve your insurance problem.

## 4. What about the risk of changes to your home or retirement income?

There are two proposals worth understanding particularly well.

TOP's proposed land tax

This is potentially significant for someone who owns a home but has little spare income.

A tax based on land value could create a substantial annual liability even if your home is mortgage-free. The ability to defer payment helps with immediate affordability but doesn't remove the eventual cost.

Labour's proposed capital gains tax

Labour proposes a 28% tax on profits from selling investment property, applying to gains made after 1 July 2027.

Your family home is excluded, so this proposal would not tax the profit on selling the home you live in. [Affordable Healthcare](https://www.labour.org.nz/election-policy-pages/2026-election-policy-summary-pages/affordable-healthcare/)[Voter guide: how five parties’ tax and policy plans would affect your household budget](https://thegist.co.nz/election-2026-how-party-policies-would-affect-household-budgets/)

National and ACT both emphasise avoiding new taxes, although their approaches to government spending and NZ Super differ.

## 5. My overall assessment for your circumstances

Here is how I would interpret the choices, without recommending a particular vote.

| If your biggest concern is… | Parties worth examining closely |
| --- | --- |
| Keeping NZ Super eligibility at 65 | Labour, Greens, NZ First |
| Getting practical rates assistance | National |
| Reducing GP and prescription expenses | Labour, Greens |
| Reducing future electricity costs | Labour, Greens, National, NZ First |
| Avoiding additional taxation | National, ACT |
| Getting help managing rates payments | TOP |
| Supporting more community-based healthcare | Greens, TOP, NZ First |

There are some important trade-offs:

- National has the clearest existing rates-relief measures for eligible older homeowners.
- Labour has particularly concrete proposals for reducing healthcare and electricity costs.
- The Greens offer broader healthcare and energy-system reforms.
- NZ First prioritises maintaining NZ Super and restructuring the electricity market.
- ACT prioritises lower government spending and taxation, but proposes a higher retirement age.
- TOP offers an interesting solution to rates cash flow but proposes a land tax that could be a serious concern for a homeowner on NZ Super.

## 6. What I would investigate before casting your vote

I would look beyond general promises and ask each party three specific questions:

1. Rates: What will you do for someone receiving NZ Super whose council rates rise by another $500–$1,000 a year?
2. Insurance: What will you do to help retired homeowners afford essential house insurance?
3. Healthcare: How will you ensure someone who needs regular GP appointments, prescriptions and specialist treatment can afford them?

These questions are more revealing than general claims about helping pensioners.

For further independent reading, I recommend:

- [Grey Power – How parties stand on issues affecting older New Zealanders](https://greypowermag.co.nz/politics/how-parties-stand-on-issues-affecting-older-new-zealanders/?utm_source=chatgpt.com). Particularly useful because it asked political parties directly about their policies for older people.
- [National – 2026 election policies](https://www.national.org.nz/policies?utm_source=chatgpt.com).
- [Labour – 2026 election policies](https://www.labour.org.nz/policy/?utm_source=chatgpt.com).
- [Green Party – electricity policy](https://www.greens.org.nz/green_party_launches_plan_to_cut_power_bills_and_take_power_back_from_the_big_energy_companies?utm_source=chatgpt.com).
- [ACT – fiscal plan](https://www.act.org.nz/fiscalplan?utm_source=chatgpt.com).
- [NZ First – party policies](https://www.nzfirst.nz/policy?utm_source=chatgpt.com).

## 7. One question that would make this comparison much more useful

There is a significant difference between a retired homeowner whose house is worth $500,000 and one whose home is worth $1.5 million, particularly when considering land taxes, rates assistance and insurance.

Is your home mortgage-free, and approximately what is its current value?

You don't need to give an exact figure.

With that information, I can make a more meaningful comparison of how National, Labour, the Greens, NZ First, ACT and TOP could affect your actual financial position, rather than simply comparing their general election promises.

## Gemini

Answer ID: c84beea7-9df5-4332-ad9a-363a21a23f8c

For a retired homeowner relying mainly on NZ Super, the rising cost of living—particularly fixed costs like local authority rates, home insurance, power, and regular healthcare—is a central issue in the **2026 New Zealand General Election**. 

While major political parties generally agree on protecting the core structure of NZ Super itself (with most opposing immediate changes to the entitlement age of 65), they differ significantly on how to address household inflation, relief for homeowners, and the cost of healthcare. 

---

### 1. Protection of NZ Superannuation
* **National, Labour, Greens, and NZ First:** Maintain the entitlement age at 65 and preserve the statutory link protecting NZ Super rates relative to the net average wage. 
* **ACT:** Proposes gradually raising the NZ Super eligibility age to 67 by 2035 (with compassionate exemptions for physically demanding jobs), arguing it is necessary for long-term fiscal sustainability.
* **The Opportunities Party (TOP):** Proposes restructuring income support through a universal "Citizen's Income" framework, featuring specific top-ups designed for superannuitants.

### 2. Relief on Fixed Costs (Rates, Insurance, and Power)
Because local body rates and insurance premiums are escalating rapidly, parties have put forward distinct mechanisms to ease these burdens on homeowners:
* **National:** Proposes introducing no new taxes to protect retirement savings, alongside targeted senior housing initiatives and an "0800 Seniors" helpline to help navigate entitlements. For those continuing to work past 65, National plans to extend compulsory employer KiwiSaver contributions to members over 65.
* **New Zealand First:** Focuses on expanding the *Warmer Kiwi Homes* programme (subsidising insulation, double glazing, solar, and home electrification) and promoting regional economic measures to curb utility price spikes.
* **TOP:** Proposes specific tools for older homeowners, including **interest-free rates deferral schemes** administered through local authorities, as well as low-interest loans for home electrification and energy efficiency upgrades. 

### 3. Healthcare and Pharmac Funding (Managing Medical Costs)
Healthcare is a primary expense and worry for retirees. Parties have targeted this area heavily:
* **Labour:** Proposes introducing **"Medicard,"** providing three free General Practitioner (GP) visits annually, and reinstating free prescriptions for all fully funded Pharmac medicines.
* **National:** Focuses on expanding the Pharmac medicines budget significantly (e.g., committing hundreds of millions in funding boosts) and expanding cancer screening and primary health infrastructure.
* **ACT:** Proposes a gradual increase in medicine funding to match Australian spending levels by 2033, alongside establishing dedicated regional cancer treatment centers.
* **Green Party / NZ First / TOP:** Generally advocate for strengthening primary, community, and preventative healthcare access, with emphasis on lowering out-of-pocket costs for GP consultations and prescriptions.

---

### Summary for Your Vote
* If your priority is **protecting fixed income safety nets while expanding free or subsidized primary healthcare (GPs and prescriptions)**, center-left policies (such as Labour’s Medicard or Green/NZ First health policies) directly target out-of-pocket medical expenses.
* If your priority is **avoiding new taxes, boosting Pharmac's drug budget, and enabling ongoing work incentives (like employer KiwiSaver contributions past 65)**, center-right approaches (such as National's platform) align with those goals.
* If you are specifically looking for **structural relief on council rates (via deferral schemes) and green energy/home efficiency loans**, minor parties like TOP or NZ First offer specific mechanisms tailored to older homeowners.

Are there specific cost pressures—such as council rates or specific medication costs—that weigh most heavily on your household budget when deciding your vote?

## Google AI Mode

Answer ID: 9551f540-f660-49c1-9870-51c1f20a5919

As a retired homeowner relying mainly on NZ Super, recent Stats NZ data highlights that your household experiences a unique inflation mix. Surging local authority rates and rising electricity prices impact superannuitant living costs more acutely than the general population.

The major political parties contesting the 2026 New Zealand general election approach these cost-of-living pressures, healthcare, and superannuation with distinct policy frameworks.

NZ Superannuation and Retirement Age

 * **The Status Quo / Main Parties (Labour, National, NZ First, Greens):** Most parties have committed to maintaining the eligibility age for NZ Super at **65** for this term, though several have signaled future cross-party talks regarding long-term fiscal sustainability as the retired demographic grows.

 * **ACT Party:** Proposes gradually raising the retirement age to **67** over the next decade (while maintaining access to KiwiSaver at 65) to help manage future government spending.

Healthcare Access and Medications

 * **Labour Party:** Promotes direct relief in primary care by offering policies such as free GP visits (or targeted free visits e.g. 3 free visits) and free prescriptions to lower regular healthcare costs for vulnerable groups and seniors.

 * **National Party:** Focuses on strengthening the health sector via funding boosts for Pharmac (e.g., expanding access to modern medicines and cancer treatments) rather than universal free GP visits.

 * **ACT / Greens / NZ First:** Generally focus on structural health system changes, targeted regional funding, or specific specialized care centers (like ACT's cancer center proposals) rather than broad primary care fee freezes.

Electricity and Household Energy Costs

 * **Labour & Greens:** Propose market interventions or restructuring of the electricity sector to curb power prices, with the Greens proposing public/nationalised options or enhanced green energy support to lower household utility bills.

 * **National & ACT:** Focus on supply-side solutions, encouraging renewable energy generation and infrastructure consenting reform (such as National's _Electrify NZ_ framework) to increase market competition and stabilize long-term energy prices without direct price controls.

 * **NZ First:** Emphasises lowering transport and fuel overheads by removing specific elements like the Emissions Trading Scheme (ETS) fuel taxes, which indirectly ripple into broader goods and energy distribution costs.

Rates and General Cost of Living

 * Local authority rates are driven by council spending, meaning direct national party policies on council rates are rare. Instead, parties target broader inflationary levers—such as supermarket competition reform (National and Labour splitting or streamlining supermarket/consenting bodies) and GST adjustments on essentials—to give relief to fixed-income households. You can cross-reference specific candidate and party commitments on Policy.nz.

If you'd like, let me know:

 * Which of these cost areas (**rates/utilities vs. healthcare vs. pension security**) is your highest priority?
 * Whether you want to look at a specific party's detailed manifesto on Policy.nz?

I can help **break down further details** to assist your decision.

## AI Overviews

Answer ID: 115dd32f-4888-437d-b488-38533882d0c0

For a retired homeowner living on NZ Super, the major political parties present contrasting strategies to manage rising fixed housing costs (rates, power, and insurance) and your healthcare needs ahead of the 2026 General Election.

Here is how the main party policies stack up against your budget:

Summary of Key Policies

Category| National Party| Labour Party| Green Party| ACT Party| NZ First
---|---|---|---|---|---
**NZ Super & Eligibility**| Retains universal super; open to cross-party discussion to gradually raise the age to 67 by 2044.| Keeps the eligibility age firmly at 65; explicitly rules out means testing.| Keeps eligibility age at 65. Open to exploring individual (instead of couple) payment rates.| Gradually raises the entitlement age to 67 by 2035 with a compassionate early access scheme.| Retains age at 65. Restricts NZ Super exclusively to **NZ citizens only** from 2029.
**Healthcare Access**| Subsidised medicines; targeted free prescriptions for seniors; extended 12-month repeat prescriptions.| **3 free GP visits per year** and completely free prescriptions.| Massive $3 billion annual funding boost to stabilize public hospitals and expand community care.| Expands the treatment and condition-management roles that local pharmacists can handle.| Shifts system focus heavily toward preventative care; opposes healthcare cuts.
**Power Bills**| Protects the Winter Energy Payment. Eases restrictions on building independent "granny flats".| "SolarSaver" scheme to help households transition to solar energy without upfront costs.| Aims to break up the electricity market "gentailers" to directly force power bills down.| Proposes repealing the Zero Carbon Act and cutting carbon taxes to lower general energy costs.| Restructures the electricity market and removes the Emissions Trading Scheme (ETS) tax from fuel.
**Rates & Insurance**| **Full rates rebate** available to every SuperGold Card holder on NZ Super with council rates over $2,000.| Introduces anti-price-gouging powers to protect consumers against unfair commercial hikes.| Focuses heavily on funding local councils to ease the pressure on municipal property rates.| Looks to fast-track building consents to stimulate market supply and ease cost growth.| Focuses on checking commercial power and insurance costs by breaking up corporate duopolies.

* * *

Detailed Policy Breakdown

1\. Council Rates and Homeowner Costs

 * **National :** Focuses on immediate relief via the SuperGold Card, guaranteeing the full rates rebate for retirees with rates over $2,000. They also deregulated "granny flats" to make it easier for homeowners to add minor dwellings for family or rental income.

 * **Labour :** Proposes new consumer protections to ban price gouging. While aimed generally at groceries and everyday bills, they argue this adds regulatory pressure against unfair commercial insurance hikes.

2\. Healthcare and Prescription Costs

 * **Labour :** This platform targets your out-of-pocket medical bills directly by offering **three free GP visits annually** and fully funded free prescriptions.

 * **National :** Focuses on reducing doctor administration by allowing 12-month repeat prescriptions. They emphasize increased funding for targeted free senior prescriptions and expanded surgical capacity for age-related procedures like cataracts, hips, and knees.

 * **Greens :** Rather than subsidizing individual visits, the Greens plan to inject $3 billion a year directly into the public system to fix emergency department waiting times and reinforce local community clinics.

3\. Power and Electricity Bills

 * **National :** Relies on maintaining the existing **Winter Energy Payment** framework to shield retirees from the worst of winter heating costs.

 * **Labour :** Offers the "SolarSaver" initiative, a government-backed option to fit residential homes with solar panels with zero upfront costs, lowering long-term electricity bills.

 * **NZ First :** Believes power prices are artificially high due to the corporate structure of energy companies. They propose breaking up the electricity "gentailers" (companies that both generate and retail electricity) to drive down market rates.

If you would like to narrow down these options, let me know:

 * Whether **upfront, out-of-pocket relief** (like free GP visits or rates rebates) matters more to you than **long-term structural changes** (like power market reform).

 * Whether you want more information on how the **Winter Energy Payment** or **KiwiSaver settings for over-65s** change under specific parties.