Getting paid if you can't work

We’ll pay up to 80% of your income as weekly compensation if you’re unable to work because of an injury that we cover. This means you'll still get paid while you recover.

On this page

    Check you're eligible for weekly compensation

    To be eligible for weekly compensation, you need:

    • An injury we cover
      What injuries we cover

    • A medical certificate
      Your medical certificate needs to show you can’t work for more than seven days because of your injury.

    • To be working
      You need to be working as an employee, self-employed or a shareholder employee. This must be at the time of the accident and on the first day that your medical certificate shows you can't work.

    If you weren't working when your injury happened

    If you weren’t in employment right before your injury, you may still be eligible if you:

    • had a new job lined up before your injury, and you:
      • would’ve started this new job within three months of your accident
      • had been working within the 28 days before your injury
    • are a seasonal worker. This is only if your employer hired you for two or more seasons and they would’ve hired you again for the next season
    • have been paid out leave from your last job and you're still receiving this pay on the first day that your medical certificate shows you can't work
    • have an unusual work situation, eg you were on unpaid parental leave.

    How to get weekly compensation

    1. Visit your doctor

       
    2. Your doctor will send us a medical certificate

      The certificate needs to say why you can't work and for how long. If it's for a new injury, your doctor will send the certificate in when they lodge your claim. If it's for an injury we already cover, they can send this on its own.

    3. Contact us

      Contact us to talk about the support you need. Once we've got your medical certificate, we can start sorting out your weekly compensation.

      Contact us

    4. Tell your employer about your injury

      Make sure you let your employer know about your situation as soon as you’re injured. With your consent, we'll contact your employer to get your earnings so we can calculate how much to pay you in compensation.

      If you’re self-employed or a shareholder-employee, we calculate your compensation based on your earnings listed in your most recent tax return from Inland Revenue. In some cases, if you haven’t lodged your returns with Inland Revenue yet, we can make an estimated payment to you in the meantime.

    5. We'll let you know our decision

      We'll be in touch and let you know if we've accepted your application. How fast we process this depends on the time it takes to get the details we need from your employer and Inland Revenue. If you talk to us directly, we may be able to speed up this process.

    If we decline your application 

    We’ll send you a letter explaining why. If you disagree with the decision, find out what your next steps are and how to get a review.

    Sort out a problem with your claim

    Getting paid in the first week

    We'll start paying weekly compensation one week from the day you first visit your doctor for treatment.

    If you’re an employee or shareholder-employee and your injury happened:

    • at work, your employer needs to pay for that first week
    • outside of work, you’ll need to take sick leave or annual leave.

    Receiving your weekly payments

    We pay weekly compensation of up to 80% of your earnings. We'll pay your compensation every week, so this may be different to your normal pay cycle. Any tax will come out of your payments as they do with your normal wages.

    Talk to your case owner if you want to set up Kiwisaver contributions on your payments. They may ask you to send them a KS2 Kiwisaver deduction form:

    Download the KS2 Kiwisaver deduction form from the Inland Revenue website

    If you’re an employee or shareholder-employee, you can talk to your employer about using your sick or annual leave to top up your payments.

    How we calculate your payments

    In the first four weeks of receiving payments

    We calculate how much we'll pay based on your earnings in the four weeks before you were injured.

    After the first four weeks of receiving payments

    After the first four weeks, we base your payments on your earnings over the past year before you were injured.

    • For permanent employees: if you weren’t employed for the whole year, we base this on how long you were in permanent employment over that year.
    • For casual or non-permanent employees: we base our calculation on all PAYE earnings in the last year.
    • For PAYE shareholder employees: we compare your shareholder earnings in the last year with your shareholder earnings over the financial year before you were injured. We’ll pay you whatever is highest.

    Payments in advance

    Sometimes your earnings can’t be calculated or there’s a delay in getting the details we need from your employer or Inland Revenue. We can make advance weekly payments until these details are available.

    Self-employed or tax year shareholders

    We’ll pay your compensation at up to 80% of your taxable income based on the most recently completed financial year.

    If you have a qualifying Cover Plus Extra policy, we'll pay based on the agreed amount of cover offered under that policy.

    Check if superannuation or income support affects your payments

    If you're receiving New Zealand Superannuation or support from Work and Income New Zealand, this may affect your weekly compensation payments. Get in touch with our claims team to find out more.

    Contact us

    Support while getting weekly compensation

    If we accept your application for weekly compensation, we’ll assign a case owner to manage your claim. They’ll:

    • help if you have any issues with payments  
    • develop a rehabilitation plan with you to help you recover faster  
    • review your situation. You’ll need a new medical certificate at least every thirteen weeks to confirm you can’t work.

    When we'll stop making payments

    Once you’ve been assessed as well enough to return to work, we’ll stop weekly payments. If you go back to work with fewer hours or easier tasks, we’ll reduce payments to reflect this until you're fit for your regular work.

    If you were injured before you turn 18 years

    If your injury is stopping you from starting full-time work (over 30 hours per week), we may be able to pay you for loss of earnings.

    You could be eligible if:

    • you've turned 18 
    • you were injured before you turned 18 (or injured after turning 18 but you've been in full-time study or training) 
    • you've been unable to work because of your injury for six months or more 
    • you're no longer in full-time study or training
    • you're earning or already getting weekly compensation, but it's less than what we'd pay for loss of potential earnings.

    How much we can pay for loss of potential earnings

    We can make weekly payments at 80% of the weekly minimum wage.

    Applying for loss of potential earnings

    To apply, talk to your case owner or get in touch. We'll send you the forms you need to complete and talk you through the process.

    Contact us

    If you want to know more about how we can help, talk to your case owner or contact our claims team:

    Phone 0800 101 996 (Monday to Friday, 7am - 7pm)
    Email claims@acc.co.nz

    Last published: 20 November 2017