ACC Restructuring

The ACC Cover Plus Extra scheme provides a level of pre-agreed compensation in the event of an accident related event preventing you from working and enables you to minimise your ACC levy obligations. It is a flexible alternative to ACC CoverPlus and enables you to negotiate your level of lost earnings cover.

ACC CoverPlus Extra is available to all self-employed and shareholder-employees who do not pay PAYE and who work 30 hours or more per week – you don’t have to prove loss of earnings when you make a claim.

The saving realised from the ACC levies must then be applied to a Life cover and Income protection policy which provides cover for not only disablement by accident but also illness.