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Medical Retirement question for my mum.

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  • Silvertabby
    Silvertabby Posts: 10,193 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper Photogenic
    “ My mum has worked for the local authority for the past 20 years and had a hip replacement in Dec 2016.

    [...]

    she had a meeting at work today where they suggested she take medical retirement.... she is 62 and has not paid into any private pension scheme
    Originally posted by weesie81
    If she is not an LGPS member, this would be because she had explicitly opted out (whoops) - you've got to go beyond 20 years before people on 15 hours a week weren't eligible. Ill health retirements in the LGPS are explained here:

    http://lgpsmember.org/tol/thinking-leaving-illhealth.php

    If she hasn't mentioned claiming an LGPS pension even normally, then this would imply she did indeed opt out. Posted by hyubh
    Yes - if OP's mum had always been part time she would have been offered to chance to join the LGPS when the rules changed in 1995. Even if she didn't join then, any change of job, job title or sometimes even a new pay reference number would have triggered enrolment into the LGPS, meaning OP's mum would have had to actively opt out. Is OP sure that his mum isn't in the LGPS? You'd be surprised at the number of people who don't know they are because they never read their payslips properly.
  • Robin9
    Robin9 Posts: 12,821 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Have you spoken to HR about her options ?
    Never pay on an estimated bill. Always read and understand your bill
  • atush
    atush Posts: 18,731 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Is she a member of LGPS or not?
  • weesie81 wrote: »
    She went to citizens advice and has been told she is entitled to zero help at all as she was only working 15 hours per week before so no national insurance stamps paid.

    I'm sure CAB will have checked this, but are you aware that your mum would have been getting NI credits as long as she was earning between £112 and £155 per week?
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