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NHS ill health retirement
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AmandaEss
Posts: 9 Forumite

Hi all. I am 31, and have a genetic hypermobility condition that means my hands and arms are becoming weaker and more painful, and have been for around a year. This is a major problem because I’m a dentist. I’m thinking of trying to get ill health retirement, and have two questions you may be able to answer:
1) what do the Tier 1 and Tier 2 pensions mean in practice? From my Total Reward Statement the current value of the 2008 section is £1471 and the 2015 section is £1578. Does that mean I would receive about £3000 a year with Tier 1, or does it mean something else? And how much might Tier 2 be? Nobody can give me an answer so far!
2) If the company I work for (they’re not my employer as dentists are self employed) terminate my contract on health grounds before I’ve applied, can I still apply after that and receive a Tier 1 pension, or would my application then be judged solely on Tier 2 criteria? I have seen some mixed messages about this.
1) what do the Tier 1 and Tier 2 pensions mean in practice? From my Total Reward Statement the current value of the 2008 section is £1471 and the 2015 section is £1578. Does that mean I would receive about £3000 a year with Tier 1, or does it mean something else? And how much might Tier 2 be? Nobody can give me an answer so far!
2) If the company I work for (they’re not my employer as dentists are self employed) terminate my contract on health grounds before I’ve applied, can I still apply after that and receive a Tier 1 pension, or would my application then be judged solely on Tier 2 criteria? I have seen some mixed messages about this.
Thanks in advance!
Amanda
Amanda
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Comments
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AmandaEss said:Hi all. I am 31, and have a genetic hypermobility condition that means my hands and arms are becoming weaker and more painful, and have been for around a year. This is a major problem because I’m a dentist. I’m thinking of trying to get ill health retirement, and have two questions you may be able to answer:
1) what do the Tier 1 and Tier 2 pensions mean in practice? From my Total Reward Statement the current value of the 2008 section is £1471 and the 2015 section is £1578. Does that mean I would receive about £3000 a year with Tier 1, or does it mean something else? And how much might Tier 2 be? Nobody can give me an answer so far!
2) If the company I work for (they’re not my employer as dentists are self employed) terminate my contract on health grounds before I’ve applied, can I still apply after that and receive a Tier 1 pension, or would my application then be judged solely on Tier 2 criteria? I have seen some mixed messages about this.Thanks in advance!
AmandaGoogling on your question might have been both quicker and easier, if you're only after simple facts rather than opinions!0 -
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Tier 2 is your pension to date plus the pension you would accumulate to normal retirement age. It is the harder one to get and generally only paid if you are terminally ill or cannot work in any capacity ever again.
Tier 1 is more common and is your pe sion accrued to date and not reduced in any way by being in receipt before normal pension age.1 -
So it means that if I’ve earned about £3000 pension to date then it would be £3000 paid every year?0
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Yes, for tier 1 and it will go up with inflation. Also im guessing the TRS is up to march 2019 so may be a year out of date.0
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You can usually work it out roughly. If i remember its 1/54 x your salary in that tax year (if you worked full year) added to your existing statement value.0
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