This case of Katie's is a good example of the bad in the ACC way of working but there are probably two things I could point out here.
One is that board and lodgings provided fall under(and have for years) 'monetary remuneration' under the Income Tax Act. So if my employer is, say, providing me with a house worth $300 per week they are required to add that rental to my wages/salary and declare that 'total' income to the IRD. So the IRD records me as having an income of, say, $1300 for the week instead of $1000.
Probably Katie's boss was not doing his paye returns correctly(ie not including the 'rental' value) possibly because he knew this would reduce her net pay.
Secondly of course as an apprentice half her earnings would be being attributed to her boss. But the IRD would have the records of the other half and MUST have provided ACC with that info. So if they didn't take it into account in assessing your entitlements Katie you are clearly being robbed.
Ironically had it been your boss who got hurt he would have been paid ACC based on earning's INCLUDING the one half of yours attributed to him.
If what you are saying is correct Katie(and I don't doubt it is) you are being well and truly ripped off. I'm pleased Assisi is helping you otherwise my advice would be to get hold of someone like Grant Cameron who could put you in touch with ACC expert Lawyers(he doesn't claim to be one himself incidentally). They will soon sort your situation. With ACC it is a matter of knowing the legislation inside out.
They have a culture of keeping 'the foot on the throat' of the 'little' guy in the hope that frustration will drive them to give up the fight. People like Grant and the ACC experts are just the people to help in those types of situations.
Conversely most of us know of those perennial ACC beneficiaries 'milking' the system (nine times out of ten because of a 'crook back') - the difference is they refused to give in and eventually it was the ACC who weakened. (I'm not talking about the genuine cases there)
Good luck Katie and Assisi. Kick some ACC butt!!!