Are parents liable for a child’s medical bills after 18

24 June 2025by Naomi

Are Parents Liable for a Child’s Medical Bills After 18 in New Zealand?

As a parent, you want to ensure your child’s health and well-being, but what happens when they turn 18? Are you still responsible for their medical bills? In New Zealand, the answer to this question depends on various factors, including the specific circumstances and the relevant legislation, such as the Care of Children Act 2004.

The Age of Majority and Parental Responsibilities

In New Zealand, the age of majority is 18 years old. Once a child reaches this age, they are considered an adult in the eyes of the law. This means that, in general, parents are no longer legally obligated to provide financial support for their child’s needs, including medical expenses. However, there are some exceptions to this rule.

The Care of Children Act 2004 outlines parental responsibilities and the duty to maintain children. Section 5 of the Act states:

“The duties, powers, rights, and responsibilities of a parent of a child include (without limitation) the guardian’s duty to maintain the child.”

This duty to maintain the child typically ends when the child reaches the age of majority, but there are situations where it may extend beyond that point.

Exceptions to the Rule: When Parents May Be Liable

In some cases, parents may still be liable for their child’s medical bills even after they turn 18. These situations include:

  1. The child has a disability or special needs that prevent them from becoming financially independent.
  2. The child is pursuing higher education and remains financially dependent on their parents.
  3. The parents have agreed to continue providing financial support through a written agreement or court order.

If any of these circumstances apply, parents may be required to contribute to their child’s medical expenses, even after they reach the age of majority.

Child Support and Medical Expenses

In cases where parents are separated or divorced, child support payments may include provisions for medical expenses. The Family Proceedings Act 1980 governs child support arrangements in New Zealand. If a child support order is in place, it may stipulate that one or both parents are responsible for the child’s medical costs, even after they turn 18, if the child remains financially dependent.

Voluntary Financial Support

Even if parents are not legally obligated to pay for their adult child’s medical bills, they may choose to do so voluntarily. Many parents continue to support their children financially, especially if the child is facing significant medical expenses or is unable to cover the costs themselves.

Seeking Legal Advice

Navigating the complexities of parental responsibilities and medical expenses can be challenging. If you find yourself in a situation where you are unsure about your legal obligations, it is essential to seek advice from a qualified family lawyer. Naomi Cramer, a leading New Zealand family lawyer, provides expert guidance on a wide range of family law matters, including parental responsibilities and child support.

Conclusion: Are Parents Liable for a Child’s Medical Bills After 18?

In most cases, parents in New Zealand are not legally liable for their child’s medical bills after they turn 18. However, there are exceptions to this rule, such as when the child has a disability, is pursuing higher education, or if there is a written agreement or court order in place. If you are unsure about your legal obligations or need assistance with a family law matter, it is crucial to consult with an experienced family lawyer like Naomi Cramer to protect your rights and ensure the best possible outcome for your family.

No solicitor-client relationship is created by this article. The author and owner shall not be liable for your reliance on the information contained in this article. Readers should obtain their own independent legal advice.

by Naomi

Naomi Cramer is an Criminal and Family Law Specialist with over 25 Years Experience.

error: Content is protected !!