I’m self-employed in lawn mowing and started my business in the last week of March 2025. In the 2024/2025 tax year I only purchased equipment and didn’t do any billable work, so my return shows a loss. However, I steadily increased my business through 2025 and I was actively working and earning around $1200 per week for the last 6 months.
I broke my leg in March 2026 and am currently unable to do any of my self-employed work. ACC has based my weekly compensation on my 2024/2025 tax return (the loss), resulting in no entitlement
I was using HNRY for my tax and ACC payments and assumed that meant I would be covered if something like this happened. I’ve only recently become aware of CoverPlus Extra and how that works for self-employed people.
I believe this doesn’t reflect my actual earning capacity at the time of injury, which was based on my current trading income, not the startup period. I’m trying to understand whether ACC should instead be assessing my earnings based on my real income leading up to the injury.
What the best way is to challenge or have this reassessed?