How levies work
Looking out for each other is very much the New Zealand way. It’s manaakitanga – to take care of each other.
The concept of manaakitanga guides the way we do things at ACC. You can see it in the rehabilitation support and compensation we provide if you’re injured, or the injury prevention programmes we run to stop you getting hurt in the first place.
However, the cover we provide wouldn’t be possible if it wasn’t for the levies you pay.
Each time you fill up at the pump, pay your rego, get paid or settle your ACC business invoice, you’re paying a levy that’s helping to cover the treatment of those who need it.
What do my levies pay for?
If someone in New Zealand has an accident and we cover their injury, we use your contributions to help pay for and support their recovery. This includes treatment, health, rehabilitation and support services, loss of income or financial help and injury prevention in the community.
Levies pay for the services that provide cover along the complete timeline of an injury.
We work with partners to reduce the incidence of injuries, and promote healthier, safer work environments through education and awareness.
You, or your workers, have immediate access to the necessary care in the event of an injury, as well as temporary cover for loss of income.
The injured person is covered during the recovery process and rehabilitated to enable them to return to work.
We use five accounts to cover specific types of injuries
We use each of our five levy accounts to pay for services and support to help you recover if you're injured in an accident.
The Work levy is paid into the Work Account to fund cover for injuries that happen at work.
The Earners' levy is paid into the Earners’ Account to fund cover for injuries that happen during everyday activities, eg on the sports field or at home doing DIY.
Motor Vehicle Account
The Motor Vehicle levy is paid into the Motor Vehicle Account to fund cover for people injured on public roads involving a moving vehicle.
There are people in New Zealand who don’t pay levies but still need our support if they’re injured, eg children, beneficiaries, students or visitors to New Zealand. Funding to help them comes from the government through general tax.
Treatment Injury Account
We use the Treatment Injury Account to fund cover for injuries that are caused by, or happen during, medical treatment. It’s funded by both the Earners’ and Non-Earners’ Account depending on whether the injured person is employed.
Have your say on what you pay
These contributions mean you have a stake in ACC. And because of that, we want you to help shape the levies you pay.
Every two years we give everyone in New Zealand an opportunity to give feedback on the proposed changes to levies we charge.
We also use the opportunity to ask you what you think about other incentives we offer to encourage safer living and to get your feedback on things we are looking to explore in the future.
Your feedback is extremely valuable. It helps us confirm some of our proposals as well as challenge our thinking on others.
We’ll present all views to the ACC Board, which then makes a recommendation to the Government, who will make the final call on any levy changes.
Your views can influence the final recommendations we make to the Government.
It’s your opportunity to let us know what’s most important to you.