ACC covers your injuries but it doesn’t provide cover for illness, property loss or disrupted air travel.

There is no reciprocal arrangement with any Australian compensation scheme as there is no accident cover in Australia for non-work related injuries ie Only injuries occurring at work are automatically covered in Australia.

We’ll pay up to 80% of your income as weekly compensation if you can’t work or perform all your usual work activities because of an injury we’re covering.

All New Zealanders pay an ACC levy. As a small business owner you’ll pay an ACC Work levy each year which provides cover for you and your people – your most important asset. You’ll also deduct the ACC Earners’ levy from employees’ wages. If you’re a contractor or self-employed, you’ll pay ACC every year, too.

Because conditions that are caused gradually are only covered if they’re work-related, this means ACC won’t cover you if you develop a condition like RSI or hearing loss from a hobby or other activity in your non-work life.

Dismissing an employee for incapacity while they are on long-term accident compensation because of injury, whether work-related or not, should be handled carefully. This applies when ACC decides it is reasonably practicable to return the claimant to their pre-injury employment with the same employer.

You can get ACC payments and NZ Super payments at the same time, but only for 2 years.

They can be an employee or self-employed. Compensation for casual workers Casual workers can access weekly compensation following an accident or injury if they were in employment immediately before their accident, and also at the time of their injury (this applies to both work and non-work-related injuries).

If you’re self-employed or a contractor you have two options for your ACC cover, either our standard CoverPlus or CoverPlus Extra.

ACC Cover Plus is compulsory as soon as you become self- employed. However, ACC only provides loss of earnings compensation for a work or non-work related personal injury. In New Zealand, health statistics show that seven out of eight disabilities are not caused by injury, but by illness, which ACC does not cover.

Our no-fault scheme covers everyone, including visitors, who are injured in an accident in New Zealand. It includes events that result in mass casualties. The scheme covers children, beneficiaries, students, if you’re working, unemployed, or retired.

When you’re covered by ACC, and when you’re not This includes mental conditions caused by the following events: Rape and sexual abuse – ACC covers mental harm like depression and anxiety disorders resulting from rape or sexual abuse.

If you’re a New Zealand resident and you return home with an injury that happened overseas, ACC can help cover costs. If you’re a visitor injured in New Zealand You’ll receive the same ACC cover as everyone else if you have an injury while visiting New Zealand – it doesn’t matter if you’re not a resident. Using rongoā Māori services

ACC can help pay for a range of medical, health and treatment costs if we cover your injury. You may have to pay for part of your treatment costs. If you’re a New Zealander injured overseas If you’re a New Zealand resident and you return home with an injury that happened overseas, ACC can help cover costs.

ACC is a no-fault scheme – the only one of its kind in the world. It applies regardless of who caused the accident – including you. But it also means you can’t sue for any costs that relate to the injury or its negative effects. ACC is paid for by employers.

The Accident Compensation Corporation (ACC) provides compulsory insurance cover for personal injury for everyone in New Zealand, whether a citizen, resident or visitor. This means if you are injured by an accident in New Zealand, ACC may pay some of your medical and rehabilitation costs.