Your scheme may allow you to take your benefits or open your pot
early, on grounds of sickness.
here to find out more about sickness
What counts as sickness or incapacity will vary from scheme to
scheme, and the decision to grant an ill-health pension may lie
with the company, the trustees or both.
The decision to grant an ill-health pension must be in
accordance with the scheme rules and supported
by medical evidence.
When making a decision to grant an ill-health pension, the
person or people making the decision must:
- ask the correct questions;
- act in accordance with the law and with the scheme rules;
- only take relevant factors into account.
In addition, they must not come to a decision that no reasonable
person could come to.
If you have been refused an ill-health pension, you can only
challenge the decision if the person or people making the decision
have not followed these principles.
Click here to
visit our publications page and download our leaflet - ill
health early retirement.
If you are in serious ill-health (you have less than a year to
live), you may be able to take the whole of your pension pot as a
lump sum. Special tax treatment applies. Click here to
find out more about this.