If you’re suffering from ill health you may be able to access your pot earlier than your 55th birthday. If you’re suffering from serious ill health (a life expectancy of less than 12 months), it may be possible to receive your entire pension pot as a lump sum. If you’re under 75, you may be able to take all your pension savings tax free. If you’re over 75, you would be taxed at the highest rate you pay. We’ll need medical evidence of your ill health before we can pay out a lump sum/pay benefits earlier. If you’d like more information you can call us on 0300 2000 555.