1st week ACC Purely as some point of reference (and getting a bit off topic).
A worker on Minimum wage will earn $36,816 gross PA for a 40 hour week. 1 child on WWF = an extra $185, 2 children = an extra $277.
Bump the week up to 50 hours and gross pay goes to $46,020, 1 child WWF = $169, 2 children = $261.
Loose a weeks income due to injury, gross goes down, WWF goes up. Not like for like but a person isn't left penniless
Disc I am very familiar with a low paid, low ski/med skill local /foreign workforce. It is one of the reasons we pay medical insurance for all eligible staff. We also provide EAP services which includes budgeting advice etc. We do not provide weetbix.
As for your carpal tunnel person - if you are flogging him with a 54 hour repetitive week there may be some moral imperative to pay his first week of absence irrespective of ACC.
A low skilled foreign worker with Bursitis - I'm not liking his residency application chances. Such a person may not be eligible for NZ health care (outside of ACC) anyway so ought to be carrying own insurance