How ACC Works
The Accident Compensation Corporation (ACC) provides comprehensive protection for Samoa's workforce, ensuring employers and employees are covered for workplace accidents and injuries.
What is the Accident Compensation Corporation?
The Accident Compensation Corporation (ACC) is Samoa's government agency responsible for managing the national accident compensation scheme. Established to protect workers and employers, ACC provides a no-fault compensation system for workplace injuries and accidents.
Unlike traditional insurance, ACC operates on a levy-based system where employers contribute a percentage of their payroll, ensuring all employees are automatically covered from their first day of work.
No-Fault System
Coverage regardless of who caused the accident
Government Backed
Secure, reliable protection by law
Universal Coverage
All employees are protected
Fair & Transparent
Clear rules and processes for all
ACC Coverage Includes
Comprehensive workplace protection
- Medical treatment costs
- Weekly compensation for lost wages
- Rehabilitation services
- Lump sum compensation for permanent impairment
- Death benefits for dependants
- Funeral grants
How ACC Levies Work
ACC is funded through levies from both employers and employees, calculated as a percentage of gross wages.
Levy Rate
of gross wages (1% employer + 1% employee) each month.
Example: If your monthly payroll is $10,000, the total ACC levy would be $200 ($100 employer + $100 employee).
Payment Due Date
of the following month.
Note: January wages levy is due by February 7th.
Late Payment Penalty
per day on overdue payments (~18% per annum).
Avoid penalties: Submit your returns on time.
Schools & Sports Associations
Special flat-rate levy applies to educational institutions and sports organizations:
$1
per student annually
$1
per registered player annually
Due by February 14th each year
How the Process Works
From registration to claims, here's how ACC protects you and your employees.
For Employers
Register Your Business
Complete the employer registration form with your business details, tax number, and employee count.
Receive ACC Number
Upon approval, you'll receive your unique ACC employer number for all future transactions.
Submit Monthly Returns
Each month, submit your levy return with employee wages and calculate your 2% levy (1% employer + 1% employee).
Employees Protected
All your employees are now covered under ACC for workplace accidents and injuries.
For Employees (Making a Claim)
Report Injury
Notify your employer immediately when a workplace injury occurs.
Seek Medical Care
Visit an approved medical provider for treatment and documentation.
Submit Claim
Complete the ACC claim form with details of the accident and supporting documents.
ACC Review
ACC assesses your claim and determines eligibility for compensation.
Receive Benefits
Approved claims receive compensation for medical costs, lost wages, and rehabilitation.
What's Covered Under ACC
ACC covers a wide range of workplace injuries and occupational conditions.
Workplace Injuries
Sudden injuries that occur while performing work duties.
- Slips, trips and falls
- Equipment accidents
- Vehicle incidents
Occupational Illness
Diseases caused by workplace exposure.
- Respiratory conditions
- Hearing loss
- Skin conditions
Repetitive Strain
Injuries from repetitive motions.
- Carpal tunnel syndrome
- Back injuries
- Tendonitis
Work-Related Accidents
Accidents during work travel.
- Business travel accidents
- Off-site work injuries
- Client location incidents
ACC Benefits & Entitlements
When your claim is approved, you may be entitled to the following benefits.
Medical Treatment
Coverage for medical expenses including doctor visits, hospital stays, surgery, and medications.
Reasonable and necessary treatment costs
Weekly Compensation
Replacement income when you're unable to work due to your injury.
Up to 80% of pre-injury earnings
Rehabilitation
Support for physical therapy, occupational therapy, and vocational rehabilitation.
Customized recovery programs
Permanent Impairment
Lump sum payment for permanent injuries that result in lasting impairment.
Based on impairment assessment
Death Benefits
Financial support for dependants in the event of a workplace fatality.
Support for surviving dependants
Funeral Grant
A grant to help cover funeral and burial expenses for work-related fatalities.
Contribution towards funeral costs
Frequently Asked Questions
Who needs to register with ACC?
All employers in Samoa who have employees must register with ACC. This includes businesses, government agencies, non-profit organizations, and self-employed individuals with workers.
When does coverage begin?
Employees are covered from their first day of work, as long as the employer is registered and paying levies. There is no waiting period for coverage to begin.
How long do I have to file a claim?
Claims should be filed as soon as possible after an injury occurs. While there is some flexibility, reporting promptly ensures the best chance of a successful claim and faster processing.
What if my employer hasn't paid their levies?
Employees are still covered even if their employer is behind on payments. ACC will pursue the employer for outstanding levies, but this does not affect the employee's right to compensation.
Can I appeal a declined claim?
Yes, if your claim is declined, you have the right to request a review. ACC will provide details on the appeals process and timeframes when issuing their decision.
Ready to Get Protected?
Register your business today and ensure your employees are covered under ACC.
Need Help?
Our team is here to assist you with any questions about ACC.
Phone
+685 22-123
support@acc.gov.ws
Office
Apia, Samoa