ACC CoverPlus / CoverPlus Extra Advice

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Have you noticed increases in ACC levies?

Do you know what ACC will and will not provide cover for?

Do you know about the options provided by ACC (CoverPlus / CoverPlus Extra)?

Who will provide your income or pay for additional costs you will be faced with if you are disabled by illness?

Personal injury caused by accident
Work-related gradual process disease or infection
Treatment injury, medical misadventure
Mental injury caused by
• Sexual abuse or sexual assault
• Sudden traumatic event in the workplace
• Physical injury

Illness
Pain
Stress (unless related to sexual abuse or personal injury or traumatic event at work)
Injury to teeth arising from their natural use

	ACC CoverPlus	ACC CoverPlus Extra	Income Protection Agreed Value
Weekly entitlements	* Pays 80% of your previous year's earnings (limits and conditions apply). * Will be reduced if your business continues to generate income during your time off work, or you return to work on a part-time basis. * You must prove loss of earnings. * Accident only cover.	* Pays 100% of the amount agreed. * Paid in full, even if your business continues to generate income during your time off work, or you return to work on a part-time basis. * You do not have to prove loss of earnings. * Accident only cover.	* Pays an Agreed Value. * Don’t have to prove loss of earnings. * Accident and Illness cover.
Levies	Calculated using: * Your previous year's liable earnings. * For the self-employed: levy rates specific to your individual role within the business. * For shareholder-employees: the ompany activity.	Calculated using: * The agreed amount of cover. * Your business activity.	Calculated using: Percentage of Income, annual gross business or or farm turnover or repayments on borrowing * Agreed Value at application time not laim time. * Rate for age premiums
Claims	* The level of lost earnings cover is determined after making a claim. * Seven day waiting period.	* Your pre-agreed payment starts once your claim has been accepted. * Seven days waiting period.	* Ageed value paid after your nominated stand down period and claim accepted. * May not be off set by A C C

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