CHASNZ — PainPal by BetterWorx

Return on investment calculator

All construction, strains/sprains + soft tissue injuries (2015–2025)

Your operation

Number of workers

Annual PainPal subscription

Business plan: $150 per worker

Claim profile

Average claim duration

All-construction average = 32 days

Average hourly wage

Stats NZ 2024 median, construction trades

Annual MSD claim rate

~22,000 / ~280,000 workers = 8%

Claim reduction with PainPal

Published evidence: 40–50%

Business cost per claim

Replacement labour rate (hourly)

Temp/labour hire hourly rate

Productivity gap (first 4 weeks)

H&S administration

ACC levy impact (per claim)

Project delay cost

Conservative: 1 day delay

Presenteeism

Annual presenteeism loss (without PainPal)

Workers on site at 20–40% reduced output

Presenteeism reduction with PainPal

Annual outcomes — 50-worker operation

Cost vs saving

How the numbers are built

Cost to the worker per claim

Cost to the business per claim

Model assumptions

Data source: CHASNZ Injuries & Days Lost dashboard (2015–2025), filtered to strains/sprains + soft tissue injuries, all construction subsectors. 220,726 total MSD claims across ~280,000 construction workers. Claim reduction rates from Shaw et al. (2011), Loisel et al. (2001). Presenteeism estimates from Schultz & Edington (2007). Wage data from Stats NZ (2024).