Lump Sum Payments

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 Advocate's 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✖ Incorrect impairment ratings (using outdated assessments)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