What’s the criteria to make an ill-health claim before age 55?


You can claim your pension savings earlier than age 55 if you’ve become permanently incapable through physical or mental infirmity of continuing your occupation, and as a result you’ve stopped working in that occupation. Your previous employer may be asked to confirm accordingly.  The decision on whether or not you meet the requirements will be based on medical evidence. Your doctor is required to supply medical evidence to support your claim. You may be required to provide other evidence or information. If you’re suffering from serious ill health (eg your life expectancy is less than 12 months), you may be able to get your entire fund in the form of a serious ill health lump sum.

Part of this payment may be chargeable to tax. There’s a limit on the value of pension savings that you can access before tax penalties apply – the ‘lifetime allowance’. This is currently £1,073,100 in the 2021/2022 tax year and the government has proposed to freeze this limit until 6 April 2026.

Under data protection rules, the information we’ll obtain about you, either from yourself or third parties, may be classed as sensitive personal data. This information will be kept strictly confidential, and will not be divulged to third parties except in relation to the proper provision of our services and the processing of your claim; or unless required by law; or in accordance with guidance from the Information Commissioner. By signing the claim form you’re giving us your consent to use your sensitive personal data for the purposes described above.

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