ManageACC is managed by Sue Walton and her team. Sue comes from ACC where her last role was as Relationship Manager looking after both employers and intermediaries - like us. To put it concisely, Sue really knows her stuff and is exactly the person you need to speak to about your ACC issues.
ACC Brokers
This is what we do. We take the same information that ACC uses, put it into our system and most of the time (over 95%) we will get a lower value. Our job is to then work with ACC to have your levies lowered.
We work on success fee so if we cannot find savings we do not charge a fee. Our average saving over the last few years is 41%. That's right, these savings are real! Just ask our 2,500+ levy account holders. The ACC savings apply to all businesses and self-employed from all industries. Higher risk (blue collar) tends to receive higher $ savings due to the higher ACC premiums.
The process is very simple - we do a comprehensive review that does not cost you anything and for us to do our work we ask two things from you: Sign an authority for us so we can work directly with ACC - click here. Complete a basic questionnaire which gives us an insight into what goes on in your business - click here.
We complete the review, take you through it and on the back of that you can decide what you want done. We then go and do our work with ACC and create the savings for you.
Your time requirement is less than 10 minutes completing the forms up front and about 20 - 30 minutes to go through the review.
If you would like a review, or simply have an enquiry, get in touch with Sue - sue@managecompany.co.nz, or 027 2104 918.
ACC pre-employment checks
ACC Advocacy
We have extensive experience in solving client issues whether they are challenging levy codes, claims, or one-off issues such as Official Information Act challenges. We are a registered ACC vendor and can submit and represent on your behalf at a review which may mean no cost to you. We have a very good success rate because we explain ACC's decision-making process in plain English to you and we only recommend a review to an employer if we believe there is a chance of success. We do not like to waste your time or money, so we will be straight up with you.
Why challenge ACC?
ACC like any organisation doesn't always get it right however this doesn't mean that ACC will put up its hand and admit it. Our observation is that when ACC does get it wrong it results in you paying more in your levies so the financial impact is real.
We have the expertise to be able to guide you as to what should happen and advise what the chance of a successful outcome is.
Click on each of the events below for previous advocacy work undertaken.
Case study
We find many businesses overpaying their ACC levies simply because they’ve been told there’s no other way. There is another way to save - a way that gives you more security in case of accident, saves you money and works completely within the ACC framework. CoverPlus Extra (CPX) is an ACC product and is one of the best products on the market.
Case study: CPX
A typical situation we come across – husband and wife team. The husband is active within the business and the wife takes care of the books and day to day administration. Both are receiving a split of the income from the business in shareholder salaries.
Pre CPX: If the husband could not work due to an accident, the business would stop operating, and he may be entitled to up to 80% of the previous years income in compensation. They would then have to rely on any private insurance and any other sources of income to get by. If the wife had an accident, the business could continue to operate so she may not receive any compensation. Please note – the ability to receive full compensation under this structure may be affected by other sources of income and ability to work, even in a limited capacity.
Post CPX: If the husband could not work due to an accident, he would get 100% of the agreed CPX value. If the wife was unable to work due to an injury, she would get 100% of the agreed CPX value. Being on CPX at a reduced level of cover does not affect your ability to received medical expenses or rehabilitation costs such as physio, home help and medical care.
The table below shows the cost of the wife being on the same levy code as the business, compared to the cost of being on an administration code on CPX:
You can see from the table that the cost of CPX for the same amount of income is significantly cheaper – that’s because the cost of administration is significantly cheaper than the cost of being on the same ley code as the business.
Pros to being on CPX:
The level of cover is set to the needs of the individuals within the business
The levy code is specific to the shareholders activities within the business
The claimant can work for up to 30 hours per week and receive other sources of income without it affecting the compensation paid out
The renewal process happens at the same time each year, so you know when to expect an invoice
The policy is based on you as a shareholder, so it is a fairer reflection of the risk ACC carries to insure you
You can change the level of cover depending on your needs, and as your income grows, you can increase the level of cover without filling in all the paperwork
Cons to being on CPX:
The policy can cost a little more – this is so ACC can pay the full amount of compensation
At least one shareholder must remain on the same levy code as the business
If you do not pay the invoice on time, the policy cancels and you revert back to standard company cover until you reapply
Fatal entitlements are based on the agreed level of cover