Hi thanks for your question.
You are 48 years old, which means you are pre menopausal women. Menstrual cycle becomes irregular, before stopping completely.The missed could be due to pre menstrual stage.Yes fibroid uterus
and ovarian cyst
could be another reason for this irregular and prolonged bleeding. I would suggest you to consult a gynaecologist who may examine you to determine the exact cause of bleeding and may prescribe you treatment depeinding upon the cause.
Hope this answers your question.