My Pension Claim for Major ill-Health.
I worked for Royal Mail until 2011. I took my pension 2018. I had an accident 2008 that led to early retirement on ill-health. I can no longer work. When I took my pension I was told if anything major happens to me in 5 years, which has like a diagnosis of cardiac failure and adenomyosis I should make a claim. Cardiac failure can see me to a heart attack anytime and the treatment for adenomyosis will see me to not being able to conceive which, I have no children. Caridac failure was diagnosed in 2024. I reported the problems to my GP years ago. Adenomyosis was diagnosed in 2019.
I suffer schizoaffective disorder. I did not want to make a claim because of this. I am very afraid of things like these. I am writing to my old doctor as we speak for support letters to send along with the diagnosis of heart failure as I realise my claim is late. I also suffered major family displacement from 2001 and endured homelessness until 2021 and even now I cannot settle in my home because of noise and crime. I realize I will have to explain to the judge why that claim is late. Adenomyosis diagnosis is in time. Can someone go into this who knows/experienced similar. I have a beneficiary that they also say would receive a payout of £150,000 if anything major happened to me.
Can someone tell me about the amount of pension I should be receiving because I cannot work anymore and is/was my beneficiary entitled to any monies at the time I took my pension.
I personally do not think I receive the right amount. It is pittance for these times really. If I was able to work I would be earning much more and moved on to a different job where I would be earning even more.
Comments
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There is an organisation that provides support & assistance to current & former Royal Mail employees.
You can also speak to a local general advice organisation
And enquire with the pension provider to make sure your pension payment is at the level it is supposed to be according to their terms & conditions.
Benificiary entitlement is usually linked to death, not to also getting money while you are alive.
Unfortunately benefits and pensions aren't designed to match wages especially any theoritical career progression.
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My Cardiac failure diagnosis started around 2019 when I began to tell my GP. I am writing to her to obtain some information to support my claim. I want to use this as the main reason for my claim since it started during the five years I took my pension. Then as you say due to family displacement and homelessness for so long and this enduring mental health condition I will let the judge know these are some of the reasons its taken me so long to bring my claim forward.
I am hoping my beneficiary will receive pay out as stated and I will make some calls to ascertain conditions in the pension policy guide and to obtain a copy. I suppose its on their website also. They had said it is my beneficiary that would receive the pay out if anything happens to me. Of course I think cardiac failure is as serious as to receive this pay out and adenomyosis. I was diagnosed with adenomyosis January 2018 when I was 36, noting my doctor thought I am a very fertile.
Do you think I am going the right way with these conditions as to think my beneficiary can receive a pay out thinking they are really serious as I do not have the pensions policy guide as yet? Are solicitors understanding to my late claims? Do you think £150, 000 could really be out there for my beneficiary?
Surely again I think my conditions are serious enough. They had said if I lost and arm or a leg that those are serious but I mean to find out you cannot have children because something this serious has happened means life. I so wanted children. I mean when I had no further income as well after working for Royal Mail my dreams to have children became considerably less and because the accident left me disabled.
Do answer my questions as well. I really look forward to hearing from the online community.
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