A person experiences a "substantial change" in their employment when the past income from their employment no longer matches what they will receive in the future. We only use verification that accurately anticipates the client's current or future income.
When you confirm that the verification we normally require does not correctly anticipate a person's or household's future income, use the verification that best reflects the person's or household's future income.
Here are some examples of situations that lead to a substantial change in income. This is not an exclusive list.
- A client receives a raise.
- A client's work schedule changes.
- A self-employed contractor changes employers.
- Competition or another reason affects the number of customers using the client's business.