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Early Retirement due to Ill HealthLosing your job because of ill-health or disability does not mean that you are automatically entitled to an ill-health pension. The rules of the pension scheme determine the criteria you need to satisfy for payment of an ill-health pension and it is possible that this criteria is more stringent than that in your contract of employment. The rules of the pension scheme will often take into account the permanency of any incapacity, with the trustees seeking enough evidence to be sure that you are not likely to return to work before reaching the scheme's normal retirement age. To lose your job because of ill-health or disability, does not necessarily mean that your condition has to be permanent. It purely needs to be severe enough to ensure that you cannot fulfil your obligations under your contract of employment.It is further worth noting that even if you get "signed off" by your GP or are in receipt of a State Disability Benefit, you may still NOT necessarily be eligible to take pension benefits early The only way to find out is to approach the scheme’s trustees and this is best done with the help of an Independent Annuity Adviser. You can contact an Independent Annuity Advisers here.
Please note that articles on My-Annuity do not constitute regulated financial advice. These articles are intended to provide general personal financial information. You should always consult an Independent Financial Adviser (IFA) before making ANY financial decision. You can request a call from an IFA here or alternatively you can find an IFA in your local area here.
Visitors are strongly urged to consult with a qualified financial advisor before making any investment decision. Neither my-annuity.co.uk nor any person involved with the running of this website can be held responsible for any investment decisions made by our visitors. This website is an independent UK marketing website and not a provider of financial services or advice in any form. We pass on your pension annuity enquiries to Independent Financial Advisers and cannot offer financial advice. We are not responsible or liable for any financial service, or annuity product obtained through a third party. An annuity enquiry from this website does not constitute an offer to provide an annuity policy. |
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