This can be actually a fairly complex issue. If you work for an employer, it’s pretty simple. If you’re out for two months your employer fills out a form that says what you would have earned, but if you’re self-employed and you have your own business then it gets a little tricky and the reason it gets tricky is because your earnings probably vary.

You may be a person who does better in the winter than in the summer, you may be a person who was having a good year or a bad year. So, it’s a subjective issue, but they are calculated based upon what your average earnings would have been during the period of time you were unable to work, and there’s no black and white, concrete answer. But typically, if you have your books in order for the prior few years, and you can show what you earned in general, we will be able to recover what you would have earned during that period of time.