Lump Sum Payments
ACC Lump Sum Payments
If your injury has caused permanent impairment, you may be entitled to ACC lump sum compensation. Understanding how ACC assesses impairment can be confusing, and many people seek independent guidance during the process.
Understanding permanent injury compensation
ACC lump sum compensation is designed for people who have experienced permanent impairment following a covered injury.
The payment is based on the level of permanent loss of function caused by the injury, rather than the injury itself.
What is permanent impairment?
Permanent impairment means the long-term physical or mental effects of an injury that remain after treatment and rehabilitation.
This may include:
- Reduced mobility or movement
- Chronic pain
- Loss of strength or function
- Nerve damage
- Cognitive or psychological impacts
- Long-term limitations affecting everyday life
How ACC assesses impairment
ACC uses trained assessors and medical specialists to evaluate permanent impairment. The assessment is completed using ACC’s Guides to the Evaluation of Permanent Impairment.
An impairment percentage is assigned based on how the injury affects your long-term functioning. This percentage is then used to determine whether compensation may be payable.
The process can feel complex
Many people are unsure whether they qualify for a lump sum payment, what evidence is needed, or whether their impairment assessment has been completed fairly.
When people often seek help
People commonly seek independent guidance when:
- They are unsure if they qualify for a lump sum payment
- They disagree with an impairment assessment
- They feel their condition has been underestimated
- They need help understanding ACC decisions
- They are preparing for an impairment assessment
- They need support with reviews or disputes
How an advocate may help
ACC advocates and navigation services may be able to help explain the process, review ACC decisions, and help people understand what information or evidence may be important.
- Explaining impairment assessments in plain language
- Helping people understand ACC entitlements
- Supporting communication with ACC
- Helping review medical evidence and reports
- Assisting with reviews and disputes
Independent guidance can make a difference
Many people seek independent support before or during the lump sum process so they can better understand their rights, entitlements, and the assessment pathway.
Having someone experienced explain the process can reduce stress and help people feel more informed and supported.
Need help understanding ACC lump sum payments?
We suggest contacting WayFinders Navigation Services for support understanding the ACC process, or browsing the ACC Advocates NZ directory to find independent support.
WayFinders Navigation Services: 0800 273 030
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