Lump Sum Payments
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Lump Sum Payments Permanent Injuries
If your injury has left you with permanent impairment, you may be entitled to an ACC lump sum payment of up to $137,681. But 4 out of 5 claims are underpaid or denied without expert help.
What Qualifies for an ACC Lump Sum?
✔ Back injuries (herniated discs, spinal damage)
✔ Brain injuries (concussions, TBI)
✔ Amputations (full or partial limb loss)
✔ Severe burns (covering >20% of body)
✔ Chronic pain (when linked to injury)
✔ Loss of function (hearing, vision, organ damage)
"ACC offered me $8,000 initially. With a good ACC Advocates' help, I received $42,500 for my spinal injury."
– Tom, Wellington
Why ACC Underpays Lump Sums
We regularly fix these issues:
✖ Incorrect impairment ratings (using outdated IWK assessments)
✖ Missed secondary conditions (like chronic pain with injuries)
✖ "Not permanent enough" claims – We prove lasting damage
✖ Pre-existing condition confusion – We separate new impairments
How Much Could You Receive?
| Impairment Level | Typical Payout Range |
|---|---|
| 5-10% | $6,000 - $18,000 |
| 11-20% | $19,000 - $42,000 |
| 21-30% | $43,000 - $72,000 |
| 31%+ | $73,000 - $137,681 |
"You have one chance at this payment – make sure it's done right."
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