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Has anyone heard of health retirement?

sben

Has anybody heard of health retirement?

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wilko

@sben, hello and welcome, do you mean having to retire earlier than the normal retirement age. This is generally termed as medically retired when a person is unable to continue working due to a deterioration in their health and no hope of every being fit or able to return to any form of employment. I had my employment terminated as I was unable to return to my normal work situation ( farming) so effectively medically retired having being diagnosed with MS. I was claiming ESA till my actual retirement date then claimed UC to gain my legacy benefits.

Tori_Scope

Hi @sben

This is something people have posted about before. Did you have a specific question you wanted to ask? We'd be happy to try and help!

sben

Over a month ago, a GP told me to consider health retirement because of my disability and mobility, but I have never heard of health retirement.

janer1967

Hi there @sben

Ill health retirement is when as advised above you are no longer able to work due to illness before you reach normal retirement age

You need to be in a pension and the eligibility is down to the pension provider

There are quite strict requirements to qualify which include medical assessment with pension provider doctor

I suggest you look at your pension website

I suggest you see your hr department for advice also

They can refer you to oh who can do a work place assessment and recommend options for your future employment

This is usually the first step towards ill health retirement

If this isn't an option and you don't want to involve your pension you can consider medical dismissal

This means there is no longer any suitable work within the company you work for

Some companies offer a compensation package though this isn't a legal obligation

Again speak to hr

Sorry if this is a lot of information but do ask any more questions

Tori_Scope

Hi @sben,

According to MoneyHelper:

What is ill-health retirement?

Ill-health retirement is when you can access your pension early because of poor health. You’ll sometimes see this referred to as medical retirement or retirement on medical grounds.

If you have a private or workplace pension, you might be able to begin taking an income and/or lump sums from your pension at any age due to ill health. The normal minimum retirement age of 55 doesn’t apply.

Different pension schemes have different rules, so ask your pension provider or scheme administrator for details. Some allow you to access your pension early if it looks as if you won’t be able to return to your job due to physical or mental illness. Other schemes might require that you won’t be able to do any job, not just your own.

In cases of serious ill health where your life expectancy is less than one year, you might be able to take all your pension as a tax-free lump sum.

You’ll need to provide supporting medical evidence if you want to access your pension due to ill health.

If you have an income protection plan (also known as permanent health insurance), you need to seriously consider whether you choose to access your pension. This is because any income you get from your pension could reduce the payments from the income protection plan. You should also check whether accessing your pension may affect eligibility for state benefits.

Do you know what kind of pension scheme you're on?

sben

I am not on any pension scheme, and I have not been working for 7 years, due to me constanly having seizures, and having a gait disorder, which affects my mobility.

janer1967

In that case this isn't an option so don't know what your gp is on about .

If you have no private or company pension then you can't retire

You will be able to claim state pension when you reach state retirement age

Lisatho11987777

If you have a pension though you can access it at the age of 55 if you wanted to

janer1967

@lisathomas50 as stated above the op is not in a pension scheme sben said:

I am not on any pension scheme, and I have not been working for 7 years, due to me constanly having seizures, and having a gait disorder, which affects my mobility.