When you are applying for cover think about: how long your employer would continue to pay you how much they would pay you as sick pay any other income you would be entitled to, such as income from the state, or payments from another insurance company. You can insure up to 75% of your annual earnings, but if you make a claim, the amount we would pay you would be the lower of: The amount you have insured, and 75% of your pre-disability annual earnings, minus any other income you are entitled to, such as state benefit, sick pay, or payments from another insurance plan. So the amount you can claim will be reduced if any other income plus the income you have insured, are more than 75% of your pre-disability earnings. If you are self-employed and your earnings fluctuate, we will use your average earnings over the three-year period before your last day at work.