ACC will pay you weekly compensation payments if you are unable to work because of injury. It is important to understand that ACC generally does not cover illness.

Also payments are limited to 80 per cent of your pre-incapacity earnings and there is a maximum rate. If you are in a medium to well-paid job, ACC payments may not cover your outgoings.

In these circumstances, income protection insurance can be valuable for injury as well as illness by topping up your income to cover your weekly expenses.

ACC: Weekly compensation – loss of earnings