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Retirement Choices

Ill health retirement

If you cannot work any longer due to sickness, you may be able to take your pension benefits early, even 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're unable to carry out your normal job because you're physically or mentally ill.

If you're 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.  

Because ill health retirement can be complicated, we have dedicated pages, you can read all about it here.

Frequently asked...

Where can I find out more?

If you need more information, please contact us. A pension specialist from our team will be happy to help with whatever pensions-related question you have. Our help is always free.

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