Francis, age 52, has been doing contract work for an accounting firm for the past several years. He receives no group insurance coverage from the firm, but his compensation is increased accordingly, such that he has been paid, on average, $10,000 a month for the past five years that he has worked for the firm, based on a five-day week of 10 hours a day. To protect his income, Francis took out a disability income replacement policy four years ago paying a benefit of $7,000 a month, which is 70% of his average monthly income. Having recently won substantial funds in a provincial lottery, Francis decided to semi-retire last year, reducing his work-week with the firm from five to two days a week. Of course his level of compensation was reduced accordingly to only $4,000 a month. A couple of months ago Francis severely injured his back in a fall from a ladder at home and is expected to be off work for at least six months. How will Francis' insurance company respond to the claim that he filed recently?