Here are my 2 Ps.
First small correction, 1g is 1g therefore NOT 0.98.
What I mean is that acceleration of 9.81 m/s^2 is 1g. Now each maneuver can cause much higher acceleration in any of the 3 mutually orthogonal direction (X, Y or Z), every of them expressed in terms of how many Gs.
For example 5g down means 5*1g in vertical (z) direction.
Whatever is the load that goes onto the wing, stemming from the specific maneuver it can be "spread" over the whole "washed" area of the wing ("Washed" = exposed to the air current) giving you the wing load.
Maybe someone like for example MFS can get you a cleaner answer. I am usually on the receiving side of these loads but rarely) I have to generate them, not without pain, I have to say!
Regards,