How-to-guides

Ill-health

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Below you will find a high-level process map showing the various steps involved in drawing your pension on the grounds of ill health. For more information please refer to the Retirement guide.

Click on the numbers below to reveal more information about each step.

  • 1 You apply to be considered for an ill-health pension

    If you are potentially able to receive your pension early as a result of ill-health you will normally already be discussing this with HR. HR will therefore request quotations on your behalf from the Administration Team.

  • 2 HR arranges review by appointed medical adviser

    HR will arrange for you to be assessed by the Company appointed medical adviser. This is to ascertain if you are eligible for ill-health retirement and if so on what basis.

    There are two levels of ill-health pension. Further information can be found in the Retirement Guide.

  • 3 Medical adviser provides report

    The medical adviser will produce a report with their recommendation.

  • 4 The Company advises the Administration Team of decision

    If it is agreed you are eligible for an ill-health pension the Company will advise the Administration Team who will provide the relevant quotation.

    From this point the retirement process is similar to the process for early retirement.

  • 5 Trustee review

    The Trustee periodically reviews all ill-health pensions that are in payment to assess whether the payments should continue and at what level.