what should my Dad do? public pension

jem16

cypher007 wrote: »

hes put in just over 18 years.

Then the Rule of 85 will be of no use to him so retiral at age 60 will see a reduction. However if he applies for Ill Health retiral it might be less of a reduction. Probably best to ask the pension department for some figures.

another question he has is, will the governments proposals affect his lump sum payout?

It won't affect the lump sum of his 18 years plus any further years he builds up before the changeover. Anything after the changeover will have different rights and we don't know what they are yet. As it's only likely to be around 1/2 years service for your dad I wouldn't worry as it won't make much difference.

jamesd

cypher007 wrote: »

2) his health is getting worse and the Dr has suggested early retirement.

3) hes worried if he takes voluntary early retirment he will loose out due to starting his pension early.

He should ask the pension scheme administrators about medical retirement, which may allow him to retire early with much less reduction.

cypher007 wrote: »

4) but hes also worried that the government will change his pension to an average salary pension soon, so making him loose even more. this is due to him earning alot less earlier in his career.

That will not happen. The proposals only change the payments earned for future years of work, not for any past years. He can rest easy on this count. He would get final salary based on his earlier years and average salary based on the years after the change is introduced. So maybe 18 years of final salary and a year or three of average salary.

Find out about medical retirement and he should do as his doctor says because early retiring is better than early dying.

cypher007

thank you they are alot more relaxed now.

on the early retirement due to ill health score. this is the story so far:

the Dr's have told the school to give him light duties otherwise he would be signed off sick for 3 months. they couldnt comply do hes currently off work.

the schools ocupational health referal has said there are other options to early retirment, eg. pain killers and an operation. but his Dr has said he is too young to have the operation, and the pain killers would only mask the problem.

so this seems to be where the stand off is in terms of him being retired early.

atush

I would assume (never knwoing someone personally who retired due to medical grounds) that if a stalemate is there, the LA would have to prove it's corner. Perhaps the Doctor could be asked for a referral for a second opinion? if that agrees as well, your Dad would have more 'ammunition'. Personally, as a former medical resercher, I am wary of them saying he is 'too young' for an operation. They used to do this with hip replacements as they want to give only one per patient. but given the average patient will live a long time, this reduction of care to save money is very poor IMHO. It sentences them to a long time in pain just to save a bit.

But, what if the council is right? That he could have pain relief. and move to a different easier job in the council? Earning, paying tax, and getting a bigger pension? Would he not want to do this?

My husband has a bad shoulder. he does hoave to drive 20 miles over a mountain to work and it pains him. But he won't be going for medical rtirement but is relying on pain relief and physical therapy.

Oldernotwiser

cypher007 wrote: »

thank you they are alot more relaxed now.

on the early retirement due to ill health score. this is the story so far:

the Dr's have told the school to give him light duties otherwise he would be signed off sick for 3 months. they couldnt comply do hes currently off work.

the schools ocupational health referal has said there are other options to early retirment, eg. pain killers and an operation. but his Dr has said he is too young to have the operation, and the pain killers would only mask the problem.

so this seems to be where the stand off is in terms of him being retired early.

Has he involved his union in these discussions?

moonrakerz

Oldernotwiser wrote: »

Has he involved his union in these discussions?

Undoubtedly - that is probably who gave him all the wrong info about his pension..................the garbage about the average salary pension change
is a standard union "rabble rousing" ploy.

cypher007

Oldernotwiser wrote: »

Has he involved his union in these discussions?

not sure, im not sure hes even still in the union. they were totally cr*p at sorting a pay dispute. in the end my Mum worked out what they owed him in back pay, stretching over several years. the union thought he would probably only be able to claim a year.

cypher007

atush wrote: »

I would assume (never knwoing someone personally who retired due to medical grounds) that if a stalemate is there, the LA would have to prove it's corner. Perhaps the Doctor could be asked for a referral for a second opinion? if that agrees as well, your Dad would have more 'ammunition'. Personally, as a former medical resercher, I am wary of them saying he is 'too young' for an operation. They used to do this with hip replacements as they want to give only one per patient. but given the average patient will live a long time, this reduction of care to save money is very poor IMHO. It sentences them to a long time in pain just to save a bit.

But, what if the council is right? That he could have pain relief. and move to a different easier job in the council? Earning, paying tax, and getting a bigger pension? Would he not want to do this?

My husband has a bad shoulder. he does hoave to drive 20 miles over a mountain to work and it pains him. But he won't be going for medical rtirement but is relying on pain relief and physical therapy.

hes got ostio in moderate form in both knees, and the school is at the moment unable to move him to a less mobile job. being a caretaker he clocks up miles of walking a day.

atush

Then it seems to me, unless he can be found a job he can do, the ball is in your court. Get a second opinion on his condition. but I would ask for the operation anyway. He will be in pain w/o it and it will only get worse.

kidmugsy

moonrakerz wrote: »

Undoubtedly - that is probably who gave him all the wrong info about his pension..................the garbage about the average salary pension change
is a standard union "rabble rousing" ploy.

I suspect that the unions deliberately lie to their members, claiming that the govt plans to do something that it has no intention of doing, so that the unions can later claim victory when the govt indeed doesn't do it.