New Zealand Law
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You have the right of review of the decision to turn down your ACC claim. I suspect that they have approached this as a pre-existing condition, which is why they have declined your claim. A reasonable number of people have managed to get medical opinions which have helped with the review to restore ACC cover. Have you been told about your rights of review?
ACC can be difficult when it comes to back injuries and pre existing condition allegations.You may have no option but to apply for a sickness benefit through WINZ in the meantime and go on to the waiting list for the operation at Wellington Hospital. I do understand about the delay for the review, but if you are medically certified as unable to work you should at least get social welfare benefits. Have you made an application for this?