I'll Health Retirement

Hi,

Generally speaking I’ll health retirement application should be a very last resort for both you and your employer to contemplate and is usually as a result of long term health concerns, long term sick periods over years and having already tried and more importantly exhausted all reasonable adjustments that could be made.

Most people applying for IHR are so ill they have no choice but to go down the IHR route.

I’ll health applications are tested against various criteria and the above would definately be considered as to whether or not to even progress your application….the onus is on you to prove a sufficient ill health timeline and the measures that you and your employer have tried. An application for IHR would also likely be expected as part of ongoing OH contact and they would likely need to report to your employer that your condition warrants IHR at this time or if there are other avenues still To go down. I doubt an application would be successful if OH haven’t been involved and have agreed that IHR is appropriate.

I went through the IHR process and can give you pointers , I would just need a bit more info such as the below.

1/ Have you been of sick (whether short or long term) and over how long a period.

2/ Has your employer referred you to OH and what has been their recommendation

3/ have you already tried reasonable adjustments. Is there any adjustments you believe would help you.

4/ have you already started the IHR application and if so has this already been sent away.

5/ how long have you been employed and do you have a workplace pension

Fire away if you have questions

S

Hi, when you say application has been successful, are you meaning the application itself has been accepted and you are awaiting outcome or you have applied and been granted an award through IHR.

I only ask as it seems very quick for you to have been awarded anything so soon, usually the process can take many many months and close to a year in some cases and you only posted in May i believe.

Usually anyone applying for IHR is also graded against the HMRC severe ill health criteria too.

What are the HMRC criteria for ‘severe ill-health’?
That someone is suffering from ill health which makes the individual unlikely to be able
(other than to an insignificant extent) to undertake gainful work in any capacity up to at
least State Pension age.

Generally speaking it would really only be those that get a top tier or higher rate IHR pension and lumpsum that would likely meet the HMRC test.

If the award you recieve is the highest tier and you have been advised that you do meet the HMRC severe ill health criteria also then you need to be aware that any future job may effect your pension….basically the pension provider and HMRC are taking it on good faith from the medical evidence you have provided during your application and from professional opinions that you are too ill for your own job or any job and have awarded you the highest award they can give as a result of this…..obviously HMRC would likely know or become aware of if you took other work whilst drawing an IHR pension.

If you have been awarded the lower tier then HMRC test likely wont apply to you as a lower tier award generally means you are not fit for your current job or role only, the expectation being that you could carry on working elsewhere.

@roundabout123

May i ask your medical reason for ill health retirement? And how old you are. Just needing some research to back up my claim