What’s incapacity?


You can usually only access your pension savings when you’re aged 55 or over. Sometimes though, it may be possible to access your pension savings earlier if you’re retiring due to incapacity.

Incapacity is defined by HM Revenue & Customs (HMRC) and means you are or will continue to be medically incapable – either physically or mentally, as a result of injury, sickness, disease or disability – of continuing in your current occupation, and as a result of your incapacity you stop working in that occupation. (Some other pension schemes might operate a stricter definition of incapacity though.)

As well as meeting HMRC’s rules, we’ll need medical evidence of your incapacity too, so please contact us if you’d like to claim.

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