Claim for loss of earnings after accident

 

“At the time you saw your doctor, or when you were treated at the hospital, you should have completed an ACC Claim form. This is the form that explains to ACC what injury you have suffered and how the accident happened.

This is always the first step in the ACC process. On that form you need to indicate that you are unable to continue in your employment and that you are self-employed or a shareholder employee.

ACC will process this form and acknowledge your claim for loss of earnings – that is – they will accept your claim.

 

Clients On Standard CoverPlus Extra

Because you are covered under the ACC CoverPlus Extra scheme, you will automatically receive weekly compensation based on the amount ACC agreed to – just remember that PAYE will be deducted from this and there is a one week stand down period. This claim should be approved fairly quickly. This compensation will continue until you are able to return to work full-time (30 hours per week).

You do still need to complete a few forms from ACC. On those forms you need to indicate that you are on ACC CoverPlus Extra. You will need to provide ACC with information on the number of hours you were working and the type of work you were doing prior to the accident. You will not however have to provide them with any financial data.

To hurry things along, you can ring the ACC Claims Service Centre on 0800-101-996. They will be able to get your Income Compensation claim underway.

 

Clients On CoverPlus Extra With The Option of Lower Levels of Compensation

Because you are covered under the ACC CoverPlus Extra scheme, you will automatically receive weekly compensation based on the amount ACC agreed to – just remember that PAYE will be deducted from this and there is a one week stand down period. This claim should be approved fairly quickly.

Because you chose the option of ‘Lower Levels of Compensation’ you will only receive the full entitlement to compensation while you are not able to work at all. Once you are able to return to work in a diminished capacity the amount you receive in compensation will reduce. Once you are able to return to work full-time (30 hours per week) your compensation will cease.

You do still need to complete a few forms from ACC. On those forms you need to indicate that you are on ACC CoverPlus Extra. You will need to provide ACC with information on the number of hours you were working and the type of work you were doing prior to the accident. You will not however have to provide them with any financial data.

To hurry things along, you can ring the ACC Claims Service Centre on 0800-101-996. They will be able to get your Income Compensation claim underway.

 

Clients on ACC CoverPlus

ACC will want to know how much you earned from your business in the year prior to your accident occurring. At the very least they will want to see your financial statements for your last financial year. We can provide a copy of these at the appropriate time. If your tax return has not yet been filed for the previous financial year, we need to attend to this as soon as possible.

You may be entitled to a weekly amount based on 80% of your previous year’s earnings. Unfortunately the current financial year’s result has no impact on the amount ACC are able to pay you in compensation.

You may also have to prove that your income has dropped because of your accident.

We suggest you ring the ACC Claims Service Centre on 0800-101-996. They will be able to provide the appropriate forms for you to claim Earnings Related compensation.

Once you have these forms, contact us again, and we will help you to complete them.

Our experience tells us that this process may not always run smoothly, so please contact us if you have any queries about the information you receive from ACC.

 

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