The Experience Rating programme

To be part of our No Claims Discount Programme, we look at your annual Work levy over a three-year period.

You'll be eligible if you:

• earned above the full-time minimum liable income for each of those years, and
• paid less than $10,000 in any one of those three years.

No Claims Discount

Your claims history for work-related injuries over the three-year period will determine whether:

• you get a discount
• you get a loading
• your Work levy will stay the same.

How you'll get a discount

You'll get a 10% discount on your Work levy if over the three-year period your business has had:

• no weekly compensation days, and
• no fatal claims.

No changes to your Work levy

Your Work levy will stay the same if over the three-year period your business has had:

• between 1 to 70 weekly compensation days, and
• no fatal claims.

How you'll get a loading

You'll get a 10% loading on your Work levy if over the three-year period your business has had:

• more than 70 weekly compensation days, or
• any fatal claims.

Your business is part of Experience Rating if you, or your business group, has paid a Work levy of $10,000 or more a year, for three years in a row.

What is a business group

When businesses share common ownership, we group them together. We determine if you're in a business group by looking at the shareholdings. Each member will pay an ACC Work levy based on their individual liable earnings, but the Experience Rating modifier will apply across the whole group.

Experience Rating is part of the ACC Work levy

There are a few steps to calculate your ACC Work levy and, for some, Experience Rating is one of them.

On the Work levy invoice, you’ll see a Work Account levy amount. This is a base calculation that considers the industry you operate in and the total liable earnings of all your employees.

Getting a discount or a loading

Through the Experience Rating Programme, you could get up to 50% ‘discount’ off your Work levy, or up to 100% ‘loading’. To work that out, we look at your claims history for work-related injuries and fatal claims over the Experience Period.

This Experience Rating adjustment is then applied to your Work levy.

How we calculate and apply Experience Rating

By comparing this against your industry, we calculate if you’ll get a discount or a loading, and by how much. We consider:

• the number of weekly compensation days your employees have
• the number of claims for your employees with medical and treatment costs of over $750
• any fatal claims.

Older claims have less of an influence on your discount or loading, so your more recent history becomes more important.

Over the three years, claims in:

• year 1 (most recent year) receive a 100% weighting
• year 2 receive a 70% weighting
• year 3 receive a 40% weighting.

This provides an opportunity for businesses to reduce their Work levy by preventing injuries and helping employees return to work sooner.

We publish quarterly claims reports on our online platform MyACC for Business to help you keep track of your how you're doing.

Members of a business group will receive the same Experience Rating adjustment which reflects its overall performance. Where a group has members involved in multiple industries, the final adjustment reflects the group’s size and performance in those industries.