Each insurer has slightly different rules in how they will determine your benefit in the event of a claim, but essentially you will be paid 75% of your pre-claim income, or your monthly sum insured, whichever is lower. A common method for determining your pre-claim income is to use you most recent 12 month’s earnings, whilst some more generous insurers will allow you to use your best 12 month continuous period from the last 3 years.