How to prove your lost income

Proving lost income means showing, with documents, what you earned before the accident and what you received afterwards. The documents differ by how you earn. Loss of earnings explains how this evidence feeds into the wider claim.

Which documents matter most?

• Payslips, an employer’s letter, or EPF (Employees Provident Fund) statements, for an employee.
• Bank-in records showing regular deposits, for anyone paid irregularly or in cash.
• Tax filings, such as Borang B, showing declared income over recent years.
• Invoices or receipts issued to clients or customers, for freelance or contract work.
• In-app earnings statements, for gig or platform workers.

Why does more than one document help?

One document rarely tells the whole story. Payslips show what an employer paid but not always overtime, while bank records show money received but not its source. Two or three types of evidence give a stronger picture than one.

How far back should the evidence reach?

Cover a period before the accident, not a single month, so it shows what you normally earned. Steady income needs less history than seasonal or irregular income.

What if your records are incomplete?

Missing documents are common, especially in informal or cash-based work. A bank statement, a client’s confirmation, or a summary that explains any gaps is better than nothing.

Where can you read more?

Loss of income for employees, loss of income for business owners and loss of income for gig workers cover the evidence for each situation. Self-employed income loss covers the wider picture.

An independent lawyer can assemble these papers and act on your claim. Send how you earn, the accident date, where it happened, whether anyone was injured (yes/no) and the police report status.