When someone has an accident, ACC will cover their injury to help fund and facilitate the recovery. This includes treatment, health, rehabilitation and support services, loss of income or financial help, and injury prevention in the community.
The funds ACC collects goes into five accounts, each of the accounts cover specific types of injuries:
1. Work Account - The Work levy is used to cover injuries that happen at work.
2. Earners’ Account - The Earners’ levy is used to cover injuries that happen during everyday activities, e.g. on the sports field or at home doing DIY.
3. Motor Vehicle Account - The Motor Vehicle levy is to cover people injured on public roads involving a moving vehicle.
4. Non-Earners’ Account – To cover people in New Zealand who don’t pay levies but still need support when they’re injured, e.g. children, beneficiaries, students or visitors to the country.
5. Treatment Injury Account – The Treatment Injury covers injuries that are caused by, or happen during, medical treatment.
ACC uses each of the five levy accounts to fund the services and support to help with recovery in an event of an accident (listed below):
Loss of Income - These levies collected will pay for up to 80% of your income if you are unable to work because of an injury which ACC covers.
Treatment and Rehabilitation - Your levies will fund for treatments and visits to health providers. Health providers include treatment providers, registered health professionals and locums at a practice, rehabilitation programmes and equipment that may aid in your recovery.
Help with Everyday Activities - ACC also uses levies to help in day-to-day life scenario. This may be assistance with childcare, at home or transport to school and work.
Preventing Injury - Investment in injury prevention programmes to help stop injuries before they happen. Preventing injuries helps lower the personal impact that injuries might have.
If you wish to get further details you can visit https://www.acc.co.nz.