Ill-health retirement

Ill-health retirement

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  • If you have to leave work at any age due to illness, you may qualify for immediate payment of your benefits.

  • Your employer will need to be satisfied that you will be permanently unable to do your own job and that you have a reduced likelihood of being capable of obtaining gainful employment before age 65. 

  • Their decision will be based upon the opinion of an independent occupational health doctor.


There are three different levels of benefit based on how likely you are to be capable of  obtaining gainful employment after you leave:

  1. If you have no reasonable prospect of being capable of obtaining gainful employment before age 65, ill-health benefits are based on the membership you would have had if you had stayed in the Scheme until age 65. 

  2. If you are unlikely to be capable of obtaining gainful employment within 3 years of leaving, but you may be capable of doing so before 65, then ill-health benefits are based on your membership built up to leaving plus 25% of your prospective membership from leaving to age 65. 

  3. If you are likely to be capable of obtaining gainful employment within 3 years of leaving, or before 65 if earlier, ill-health benefits are based on your membership at leaving. Payment of these benefits will be stopped after 3 years, or earlier if you are in gainful employment or become capable of getting such employment.

If you are part-time, any extra membership awarded due to ill-health retirement will be reduced to reflect your part -time hours at leaving, disregarding any reduction in hours due to your illness.

You may have a protected level of ill-health retirement benefits.