Ill health retirement

If you are unable to work because of permanent ill health or incapacity, you may be entitled to receive your pension early, without reduction. If you retire on ill health grounds, you will also receive pension for the years between your date of retirement and your State Pension Age.


John is 55, and retiring through ill health. His salary is £40,000 per year and he has been in the Scheme for 10 years. His State Pension Age is 67.

Accrued pension at age 55: £7,000
Pension to State Pension Age: (12 x £40,000)/60 = £8000
Total ill health pension £15,000

If you retire through ill health, and your health improves and you return to paid employment, you should let JLT know as soon as possible.