ACC CoverPlus

It’s reassuring to know that, if your self-employed clients have ACC CoverPlus and are injured, they have access to support for medical treatment rehabilitation services to aid their recovery, plus compensation for lost earnings.

ACC CoverPlus at a glance

ACC CoverPlus provides:

  • Standard compulsory cover that all self-employed people must have
  • Automatic cover once a person starts self-employment
  • 24-hour no-fault cover for work-related and non-work related personal injuries
  • Access to the full range of medical treatment and rehabilitation benefits
  • Access to compensation for lost earnings (up to 80% of the previous year’s income).

Eligibility for ACC CoverPlus

All self-employed people are eligible for ACC CoverPlus.

Entitlements under ACC CoverPlus

Some, or all, of the following entitlements may be payable depending on the nature of your client’s injury and their individual needs.

Medical treatment

We help to pay most of the costs associated with treating your client’s injury. However, treatment providers may charge clients an additional fee for their services. In situations where your client is required to pay the full amount for treatment, they should keep any receipts as we may be able to refund some or all of the costs if their claim is accepted.

For more information, see the Treatment section on the page What support can I get?

Lost earnings compensation

A self-employed client may be eligible for weekly payments of up to 80% of their liable earnings, starting a week after the injury. If your client’s claim is accepted, the amount of lost earnings compensation paid is dependent on their self-employed status.

Self-employed status

Lost earnings compensation entitlement for full-time work (2014-15 levy year) – $ figures subject to annual indexation

Newly self-employed

(they have not yet filed a tax return)

  • Minimum of $440.00 gross per week if they are full-time self-employed
  • If they have received any employee earnings within 12 months of going off work due to their injury, we may also be able to use these earnings to assess their entitlement.

Recently self-employed

(they have filed only one tax return)

  • Based on 80% of earnings in the previous tax year, divided by 52 weeks
  • If they have received any employee earnings within 12 months of going off work due to their injury, we may also be able to use these earnings to assess their entitlement.
  • If they earned less than the minimum level of lost earnings compensation and they are full-time, we will pay them at the minimum entitlement rate of $440.00 gross per week.

Established in self-employment

(they have filed two or more tax returns)

  • Up to 80% of their previous year’s earnings as declared in the most recently completed tax year, up to a maximum of $1,785.98 gross per week
  • Minimum of $440 gross per week if they are full-time self-employed
  • If they have received any employee earnings within 12 months of going off work due to their injury, we may also be able to use these earnings to assess their entitlement.

Lost earnings compensation for clients who work part-time

If your client works part-time (less than 30 hours per week on average), they’ll need to have an established work history in order to be eligible for any lost earnings compensation. However, if they earn more than $22,880.00 per annum, they may be eligible for cover under ACC CoverPlus Extra.

Call us on 0800 222 991 to discuss the cover options available to your clients who work part-time.

Rehabilitation

The types of rehabilitation assistance available to your client in the event of an injury may include:

  • Home help
  • Training for independence
  • Attendant care
  • Aids and appliances
  • Childcare
  • Housing modifications
  • Transport
  • Vocational rehabilitations

For more information about:

  • rehabilitation entitlements for employees, see Employee injuries in the Small, medium and large business section
  • how employers can help their employees safely and correctly manage a return to work, see Return to work in the Small, medium and large business section.

Grants and payments

If an injury has a serious long-term effect with a permanent impairment, lump sum payments may be available for the injured person. If a person dies as a result of an injury, allowances may also be available to the surviving family members. This includes financial assistance to help with funeral costs and ongoing childcare payments.

For more information, see What support can I get?

ACC CoverPlus levies

Just like your clients who pay premiums for their personal or business insurance, your self-employed clients pay ACC levies for their personal injury cover under ACC CoverPlus.

For more information, see the Levies and invoicing section.

Invoicing for ACC CoverPlus

Once your client has filed their IR3 tax return with Inland Revenue, ACC will receive the earnings information from Inland Revenue, at which time ACC will calculate their levy and send out an invoice based on the earnings they declare.

For more information, see the Invoicing section.

Health and safety discount programmes

We offer incentives to self-employed people under a number of health and safety discount programmes. In return for satisfying certain criteria under these programmes, your client may be eligible for discounts on their ACC levies.

For more information, see:

ACC Workplace Safety Discounts programme

ACC Workplace Safety Management Practices programme

Last reviewed: 1 April 2014
Last updated: 3 April 2014