Advice please !

[Fiz16]

Hiya ive a question thats on my mind

Is ill health retirement an option in the uk ????? ...im only 45 and bn with the same employer for 16+ yrs ...

Any info wud b gr8 👍

[tulips123]

Try Citizens Advice Bureau. My thinking is it would be better to claim disablement benefits. I dont think you can retire as such to claim State pension, and disablement benefits, depending on your circumstances, would be better financially. Legal advice with someone who advses on benefits would be the best way to go.

[Hidden]

Hello Fiz- I retired at 61, you would need to approach your pension provider and ask, at 45??? I paid into nhs pension for 12 years and only get £103 per month!!! IF you enquire about ESA & PIP allowance (if you don't already get it) your n.i stamps for your gov pension are kept up to date, if you stop work your pension will freeze,you need to find out what age they allow retirement. I managed on sick pay ESA PIP for 8 months before I finally got retirement, if you go long term sick your pension will be deducted from sick pay and accumulate, every pension company have different rules so you need reaaly , to ask them.. Hope you get good results.

[bluebell99]

Yes it is an option, but I would get as much information from your HR department and union. Also seek advice from CAB.

You need to work out the financial constraints of a much smaller pension and/or ESA

Here is a link which should help you.

gov.uk/employment-support-a...

Your employer also has a responsibility to offer reduced working hours and adapt your work station if possible.

gov.uk/if-you-become-disabl...

Obviously this is not always easy to do.

I retired early from local government and my pension is a very paltry £6 a week!

X

[TheAuthor]

Hi Fiz16

As the others have said, yes it is an option but it is not always easy to achieve it. I want to sincerely wish you all the best of luck my friend.

All my hopes and dreams for you

Ken

[Barnie22]

I took I'll health pension. I took my union rep to all meetings. I got a fair deal. Look into it. Will you loose your job due to Ill health ?

[Fiz16]

Hiya...as i wrk in retail there was no union and i didnt bother joining a private 1 ..ive been wrkin for the same people for ova 17 yrs ..from a legal point of view no employer is obliged to keep your job role open indefinetly ..ive only been off for 3 months but im worried that at sum point they will try to get rid of me ...fibro is a disability that they do know but hw long can they wait on me to feel well enough to go bk????,..im only 45 so dnt think i will qualify for any kind of pension yet and ive only worked part time i dont hv enough ni contributions to apply for esa (either versions) ...and they are not paying me company sick pay anymore as it only lasts a few weeks😕..so im stressed out to the max as ive no money coming in so feelin the pressure to try n go bk ...so confused 😦😦😦😦😦😕😕😕😕