Lgps pension on compassionate grounds

BIKER77

Does anyone know about what the situation is re taking ones pension early on compassionate grounds ( not so long to live, just very long term progressive illness). We can find information for members from the age of 55yrs to 60 yrs and the usual proof in having to get a letter from your doctor and proof of ones long term progressive illness and that you are on carers allowance etc ( which is not a problem ) . but we cannot find anything about when one is 60yrs plus? as under the LGPS rules taking ones pension before the persons state pension age have reductions percentages for every year they retire early. We were wondering if we went down this road at 60 plus would we still loose those percentages?.
Thanks again for your time, Biker77.

Your_Hero

It depends on severity and whether or not you can return to work at 65 (England & Wales):

"The different levels of benefit are:

• If you have no reasonable prospect of being capable of gainful employment before age 65, ill health benefits are based on the membership you would have had if you had stayed in the Scheme until age 65.
• If you are unlikely to be capable of gainful employment within 3 years of leaving, but you may be capable of doing so before 65 then ill health benefits are based on your membership built up to leaving plus 25% of your prospective membership from leaving to age 65.
• If you are likely to be capable of gainful employment within 3 years of leaving, or before age 65 if earlier, ill health benefits are based on your membership at leaving.Payment of these benefits will be stopped after 3 years, or earlier if you are in gainful employment or become capable of such employment. If the payment is stopped it will normally become payable again from age 65 but there are provisions to allow it to be paid earlier. Details would be provided at the time."

http://www.lgps.org.uk/lge/core/page.do?pageId=102182


or http://www.lgps.org.uk/lge/core/page.do?pageId=100342 click at the bottom for Scotland.

BIKER77

Hi Your Hero, sorry I don't think I have explained this to well as this is what I have just copied :








The employee is 55 or over and under age 60.


- Has requested early release of their pension benefits.


- Has left employment with the council at the time their pension is released (subject to approval)


The employee must provide exceptional reasons why their pension should be released early i.e. compassionate grounds. It should be noted that for compassionate grounds to be accepted as justification this will presume both a significant and long term impact on the member. Example: A member is no longer able to work because they fulfil the role of a permanent carer for their partner or child. The members requirement to care full time for the dependent because of severe long term care needs of that individual will need to be confirmed by a Doctor. Members living in the UK will also be expected to confirm that they are a registered carer by receipt of carer’s allowance


I meant to say this is about my wife leaving at 60 plus to be my full time carer as its me with the long term progressive illness along with other health issue too, there is no mention we can find only the above for members from 55 - 60yrs and nothing after that like 60 plus?. Its also about will she loose the percentage losses for the years leading upto 66 at state pension age...


Hope this helps you more, thanks again

Your_Hero

BIKER77 wrote: »

Hi Your Hero, sorry I don't think I have explained this to well as this is what I have just copied :

The employee is 55 or over and under age 60.

- Has requested early release of their pension benefits.

- Has left employment with the council at the time their pension is released (subject to approval)

The employee must provide exceptional reasons why their pension should be released early i.e. compassionate grounds. It should be noted that for compassionate grounds to be accepted as justification this will presume both a significant and long term impact on the member. Example: A member is no longer able to work because they fulfil the role of a permanent carer for their partner or child. The members requirement to care full time for the dependent because of severe long term care needs of that individual will need to be confirmed by a Doctor. Members living in the UK will also be expected to confirm that they are a registered carer by receipt of carer’s allowance

I meant to say this is about my wife leaving at 60 plus to be my full time carer as its me with the long term progressive illness along with other health issue too, there is no mention we can find only the above for members from 55 - 60yrs and nothing after that like 60 plus?. Its also about will she loose the percentage losses for the years leading upto 66 at state pension age...

Hope this helps you more, thanks again

What is the normal retirement age for your wife? It may because the NRA is 60.


Normal retirement age/date
If you left the LGPS on or after 1 October 2006 (1 December 2006 in Scotland)
Your normal retirement date is age 65
If you left the LGPS before 1 October 2006 (before 1 December 2006 in Scotland)
Your normal retirement date is age 65 unless you joined the LGPS before 1 April 1998, when your normal retirement date could be the earlier of:

• Your 60th birthday, if you could have got 25 years membership in by then (if you had you stayed in the LGPS until age 60) or
• Between age 60 and 65, on the day after the date that you could have completed 25 years membership (if you had stayed in the LGPS until then) or
• Age 65

BIKER77

YOUR HERO, that's why its not been shown as NRA is 60yrs!...we were getting confused with the new state pension rules !.
Thanks again for your time and help there...on the other Aviva section 32's I was on about yesterday we are just awaiting them to send the latest figures and also Canada Life then we have found a local IFA so will keep you posted but it could be a few weeks, but hopefully well worth it!..
Biker 77

Your_Hero

You're welcome. That sounds great. It will without doubt take time as these things often do. But would be interested to see how you get on, hopefully without any hiccups.