Thanks for your patience.
I personally don't feel that you would be penalised because of your lack of earnings for a lump sum as a result of you being able to work less because of psychological trauma.
It would be a very unattractive application for your ex to make to the family court.
As I advised previously my view is that there should be enough in the existing assets to provide for accommodation needs, which makes a lump sum less relevant in any case.
You would obviously hope to be back on your feet and working to full capacity sooner rather than later - its not a conscious choice not to work to defraud the system - and as such your payments would increase as and when you are able to do so.
As I said I think an application along these grounds would be very unsavoury and not well received by a judge.
Again these are my views and offered by way of general advice - there is not a definitive answer on this point.
Thank you again for visiting JustAnswer, please do let me know if you have any additional questions in the future. I am also happy to answer any new questions on other topics that you may have, you can request me by putting “for PLCLEGAL” at the start of the new thread. Best wishes, Peter