Loss of income worksheet
You are off work and trying to work out what actually proves the income you have lost.
Proving lost income after an accident depends on showing what you actually earned before, and what you have not been able to earn since. This worksheet groups what to gather by how you work, since an employee, a gig worker and a business owner each prove this differently.
What this worksheet does
Rather than one generic list, this separates the proof by income type. Work through the section that matches you, and keep everything you gather in one place as your treatment continues.
Information to gather
If you are an employee
- Payslips covering a reasonable period before the accident.
- A letter from your employer confirming your salary and the days or months you were unable to work.
- Any unpaid leave or reduced pay notice relating to your recovery.
- Your Employees Provident Fund (EPF) statements as supporting evidence of your income history.
If you are self-employed or a gig worker
- Bank statements showing regular income before the accident.
- Invoices, receipts or platform earnings summaries covering the same period.
- A record of jobs, trips or clients turned down because of your injury.
- Any written confirmation from clients about work you could not complete.
If you run a business
- Business account statements before and after the accident.
- Records showing your own role and contribution to the business, not just overall turnover.
- Evidence of costs incurred to cover your absence, such as hiring temporary help.
See loss of income for a business owner, loss of income for an employee and loss of income for a gig worker for more detail on each situation.
Why future income loss needs extra care
A claim for income you will lose going forward, not just what you have already lost, follows its own rules. It generally requires you to have been earning through your own work at the time of injury, and it carries an age limit.[1] Loss of earning capacity explains how this differs from your immediate lost income.
What to do next
Once you have gathered what applies to you, proving lost income explains how this evidence is actually used, and how it fits alongside your medical records in building the full picture.
Common questions
Will this worksheet tell me how much I can claim?
No, and treat any figure you see elsewhere with caution. This worksheet helps you gather what proves your loss, not calculate a payout, since the actual amount depends on your specific facts and current law.
What if I am paid in cash with no formal payslip?
Bank statements, receipts, client messages or a letter from whoever paid you can all help build a picture of your usual income. It is harder without payslips, but not impossible, so gather everything you genuinely have.
What if I run my own business rather than draw a salary?
Business income is proven differently from a salary, usually through accounts, invoices and bank records showing the business's earnings before and after the accident. See loss of income for a business owner for what this looks like in practice.
Does this worksheet cover income I will lose in the future, not just now?
It covers gathering evidence for both. Future loss of earning capacity has its own rules and an age limit, so keep the same kind of records going forward, not only for the period right after the accident.
Sources
- Skrine, on the Civil Law (Amendment) Act 2019 (accessed 2026-09-22)