CHASNZ — PainPal by BetterWorx

Return on investment calculator

Based on ACC Injury Cost Calculator framework, updated with 2026 rates

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Defaults adjust wage, claim duration, and claim rate to sector benchmarks
$30 per worker
NZ median wage $35/hr (March 2026)
All-construction MSD average = 32 days

Cost categories based on the ACC Injury Cost Calculator framework, updated with 2026 NZ rates. Click any category to expand and edit individual line items.

H&S advisor avg ~$49/hr (ERI 2026)
~25% premium on base wage
~22,000 / ~280,000 workers = 8%
Published evidence: 40–50%
1. Incident costs $0▾
ItemHoursRateCost
Provide first aid$70
Transport to medical$70
Lost productivity — worker$0
Lost productivity — employer managing$0
Make area safe$35
First aid supplies / equipment
2. Investigation costs $0▾
ItemHoursRateCost
Investigate accident$0
Complete investigation report$0
Company paperwork (records, payroll, etc)$0
WorkSafe/ACC paperwork$0
Weekly follow-up meetings — worker$0
Weekly follow-up meetings — supervisor$0
3. Replacement costs $0▾
ItemHoursRateCost
Hire/relocate replacement worker$0
Rescheduling other workers$0
Training — trainer time$0
Training — trainee time$0
Recruitment / labour hire cost
4. Productivity costs $0▾
ItemHoursRateCost
Disruption — lost crew productivity$0
Managing claim (ACC liaison, RTW planning)$0
Reduced productivity on return (suitable duties)$0
Medical appointment time$0
5. Other costs $0▾
ItemCost
ACC experience-rated levy impact
Project delay (conservative)
Equipment / property damage

Presenteeism (not in ACC model — additional)

Workers on site at 20–40% reduced output

Total cost per MSD claim to the business ACC framework

Annual outcomes — 50-worker operation

Cost vs saving

Cost to the worker per claim

Model assumptions & sources

Data sources: CHASNZ Injuries & Days Lost dashboard (2015–2025), 220,726 MSD claims across ~280,000 construction workers. NZ median wage $35/hr from March 2026 (Immigration NZ). Construction worker average $35/hr (ERI 2026). H&S officer average $49/hr (ERI 2026). ACC co-payments: GP ~$50/visit, physio ~$35/visit (ACC 2025/26 schedules). Claim reduction rates from Shaw et al. (2011), Loisel et al. (2001). Presenteeism estimates from Schultz & Edington (2007). Cost categories adapted from the ACC Injury Cost Calculator.