Do you cover average income over more than 12 months?
Yes, if you're self-employed we'll usually take an average of your income over three years. If you're employed, we'll usually take an average of your income you received from your occupation in the 12 months before you became unable to work.
However, we'll try to work with you and may agree to look at longer or shorter periods. For example, we might do this if we can see that your income varies considerably due to the nature of your business, or if you've suffered a deteriorating illness that finally resulted in you going off sick.