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Auckland Relationship Management Team

Auckland Relationship Management Team. Relationship Manager – Workplace - Large Employers Relationship Manager – Intermediaries Accountants, Insurance advisors, Banks, Industry Groups. What ACC covers. Personal injury caused by accident Work-related gradual process disease or infection

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Auckland Relationship Management Team

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  1. Auckland Relationship Management Team Relationship Manager – Workplace - Large Employers Relationship Manager – Intermediaries Accountants, Insurance advisors, Banks, Industry Groups

  2. 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.

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

  4. Classification Units Risk-based classification system based on business activity. www.businessdescription.co.nz If you can’t find your Business Description please call us 0800 222 776

  5. Our discount schemes

  6. 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 ACC Discounts – Small & Medium Businesses

  7. 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 ACC Discounts – Medium & Large Businesses

  8. 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

  9. 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.

  10. Our cover products

  11. ACC CoverFor self-employed people & non-PAYE shareholder employees • Default product • 80% of last years taxable income • Proof of Loss of Earnings required • Earnings are abated when returning to work 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

  12. John – CarpenterSelf-employed since 2008Average taxable income last 3 years - $80,000 Comparing ACC CoverPlus & ACC CoverPlus Extra *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 = 41110 House Construction *2015/2016 levy rates

  13. 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

  14. John may apply to reduce his ACC CoverPlus Extra cover to the minimum statutory amount of $24,544 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.

  15. Payment Options

  16. 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.

  17. Any questions? Visit our website www.acc.co.nz Self-employed 0508 426 837 Employers 0800 222 776 Claims 0800 101 996 Online Calculator www.acc.co.nz/calculator

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