Ill-health retirement

If you have to leave work due to illness you may be able to receive immediate payment of your benefits.

Qualifying for ill-health benefits

You must have met the two years vesting period in the scheme.

Your employer, based on an opinion from an independent occupational health physician appointed by them, must be satisfied that:

• you will be permanently unable to do your own job until your Normal Pension Age
• you are not immediately capable of undertaking gainful employment. 

Ill-health benefits can be paid at any age and are not reduced for early payment. In fact, your benefits could be increased to make up for your early retirement if you are unlikely to be capable of gainful employment within three years of leaving.