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Ill health retirement

If you cannot work any longer due to sickness, you may be able to take your pension benefits early, before the age of 55. This is generally known as taking an ill-health pension. 

Your scheme will have its own definition of what ill-health (sickness) means, but usually you will be considered for an ill-health pension if you are unable to carry out your normal job because you are physically or mentally ill. 

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.

Click here to find out more about sickness pensions.

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