1. Colleen – Who we are - Introduce myself and the team –
What we’re here to do today – Every employer already knows the impact on your business when a employee is not at work, including me - today is an opportunity for us to share with you how we can work together to help your injured employee RTW as soon as possible so it both benefits the injured person and your business.

2. Auckland Relationship Management Team
Relationship Manager – Workplace
- Large Employers
Relationship Manager – Intermediaries
Accountants, Insurance advisors, Banks, Industry Groups
Everyone in New Zealand has 24-hour, seven-day-a-week, no-fault comprehensive injury cover through ACC.
Wounds, lacerations, sprains, strains, fractures, dislocations and work-related injuries such as hearing loss may all be covered. Most physical injuries are covered if they’re caused by:
An accident
A condition that comes on gradually because of your work (gradual process)
Medical treatment 2

3. What ACC covers Personal injury caused by accident
Work-related gradual process disease or infection
Treatment injury
Mental injury caused by:
Sexual abuse or
sexual assault
Sudden traumatic
event in the workplace
Physical injury.
Everyone in New Zealand has 24-hour, seven-day-a-week, no-fault comprehensive injury cover through ACC.
Wounds, lacerations, sprains, strains, fractures, dislocations and work-related injuries such as hearing loss may all be covered. Most physical injuries are covered if they’re caused by:
An accident
A condition that comes on gradually because of your work (gradual process)
Medical treatment 3

4. Who pays for ACC? Licensing 6¢/L petrol PAYE ACC 11¢ ------ $6.08
($1.39/$100)
11¢ $6.08
Work Levy
Funding
Vehicle
crashes
Medical
care...
Non-work
injuries
Work
injuries
Motor
Vehicle
Non-Earners
Earner
Work
Account

5. Classification Units
Risk-based classification system based on business activity.
If you can’t find your
Business Description
please call us 5

6. Our discount schemes

7. ACC Discounts – Small & Medium Businesses
Workplace Safety Discount
10% Work Levy Discount 3 years
Available to any business with 10 or less employees or payroll of less than $578,000
Open to all industries
Fill in a self-assessment booklet and provide Health & Safety documentation
Maybe subject to an audit
No Claims Discount
Automatic enrolment if Work Levy <$10,000 and Liable Earnings over full-time minimum for the last 3 years
How many weekly compensation days did ACC pay during the 3 year claims experience period
10% discount = 0 weekly comp days
0% no change = 1 – 70 weekly comp days
10% loading = 70+ weekly comp days

8. ACC Discounts – Medium & Large Businesses
Workplace Safety Management Practices (WSMP)
10% 15% 20% Work Levy Discount for 2 years
Available to any business and all industries, due to time demand usually accessed by larger businesses
Register with ACC and complete a self-assessment
Will be subject to an audit
Experience Rating (ER)
Automatic enrolment if Work Levy >$10,000 and Liable Earnings over full-time minimum for the last 3 years
Up to 50% discount or 75% loading of industry based work levy

9. Your obligations
If time off work is required due to a work injury, you must pay 80% of your employees earnings for the first week
Any time off work must be covered by an ACC medical certificate
You must supply ACC with your employee’s earnings information so weekly compensation can be calculated

10. Support Return to Work Have a rehabilitation policy
Alternative suitable duties
Communicate with your employee
Participate in ACC interventions i.e. Workplace Assessments
Ask the employee for their Medical Certificate. This will show diagnosis, restrictions, date of next review.

11. Our cover products

12. ACC Cover For self-employed people & non-PAYE shareholder employees
CoverPlus & Workplace Cover
CoverPlus EXTRA
Negotiate amount of cover
100% of agreed amount
Don’t have to prove Loss of Earnings
Weekly payments are NOT reduced when returning to work part-time
Default product
80% of last years taxable income
Proof of Loss of Earnings required
Earnings are abated when returning to work

13. ACC CoverPlus Extra (LLWC)*
Comparing ACC CoverPlus &
ACC CoverPlus Extra
John – Carpenter Self-employed since 2008 Average taxable income last 3 years - $80,000
ACC CoverPlus
ACC CoverPlus Extra
(Standard)
ACC CoverPlus Extra (LLWC)*
Level of Cover
$64,000
Total Levy (incl GST)
$3,440
$3,573
$3,470
*LLWC = Lower Levels of Weekly Compensation. This option is where the applicant can choose to forgo the non-abatement benefit of ACC CoverPlus Extra Standard, for a reduced levy.
*CU = House Construction
*2015/2016 levy rates

14. An extra $133 for CoverPlus Extra gives John:
no need to prove loss of earnings
100% of the weekly amount negotiated if he can’t work because of injury
full compensation whilst returning to work gradually
This would give John added benefits for that extra $107, such as:
Simplicity when it comes to lodging a claim – he does not need to find proof of earnings to provide to ACC, his compensation will be based on his pre-agreed level of cover
He will receive 100% of his pre-agreed level of cover in weekly compensation as opposed to 80% of his liable earnings (up to the maximum) under CoverPlus
John will still receive full compensation as he begins to return to work
His level of cover can be negotiated at any time, in order to meet his needs. 14

15. John may apply to reduce his ACC CoverPlus Extra cover to the minimum statutory amount of $24,544
(Standard)
Level of Cover
$64,000
$24,544
Total Levy (incl GST)
$3,440
$1,415
Whilst this is an option, please ensure that clients understand that their entitlement is significantly lower for weekly compensation and accidental death weekly compensation cover.
Please note when reducing the level of cover consideration should be given to the effect on both weekly compensation and on fatal entitlements available to the insured’s spouse, children and dependants.

16. Payment Options

17. Payment Plans 4 - 6 month direct debit (no admin fee)
7 – 10 month direct debit (includes 5.4% admin fee)
Debt Collection Policy
Levies due 30 days from date of invoice
7 days overdue; reminder notice sent
12 days overdue, reminder call
32 days overdue; late payment penalty provisions apply. May be transferred to a debt collection agency.

18. Any questions? Visit our website www.acc.co.nz
Self-employed
Employers
Claims
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