Royal MailI'll health pension

Androidrex

Hi I'm new on here so not that used to the site .I was ill health retired last year at 54 and have applied for my pension early they have told me I may be considered for early 
for a I'll health pension at 55  (very soon) which would be a full pension and not reduced by 25percent because of early take up,but I have to have medical opinions that "I'll never work again",I find this strange because does that mean I can't work again 
as in any paid work however sedentary or 
Just that I can't do my old job as in extremely physical 12 miles walking a day manual handling heavy items etc that caused some of my heath problems.Or so I'll or disabled I have no chance ever of working.
Royal Mails advice as been hard to understand and complicated and wonder if anyone had a similar experience.Would be grateful for advice thanks 

Marcon

Androidrex said:

Hi I'm new on here so not that used to the site .I was ill health retired last year at 54 and have applied for my pension early they have told me I may be considered for early 
for a I'll health pension at 55  (very soon) which would be a full pension and not reduced by 25percent because of early take up,but I have to have medical opinions that "I'll never work again",I find this strange because does that mean I can't work again 
as in any paid work however sedentary or 
Just that I can't do my old job as in extremely physical 12 miles walking a day manual handling heavy items etc that caused some of my heath problems.Or so I'll or disabled I have no chance ever of working.
Royal Mails advice as been hard to understand and complicated and wonder if anyone had a similar experience.Would be grateful for advice thanks 

If you were ill health retired, were you working for Royal Mail at the time? If so, the question of an ill health pension would normally have been dealt with then. Any idea why it wasn't?

Androidrex

I was ill health retired with lump sum ,I was not Ill heath retired with immediate pension.I have asked the the RMPP if this matters and they say, yes you can still apply and be considered on ill heath grounds but you must get Drs to say I will never work again.I just want to know what exactly that means? As I say they are not very good at advice.Thanks .

xylophone

According to the booklet/guide

 overview of the Section C benefits of the Royal

Mail Statutory Pension Scheme (RMSPS) and the Royal Mail Pension

Plan (RMPP). 

Guide to benefits

For Section C members

Leaving the Company on ill health grounds with a lump sum payment.

If you leave the Company on ill health grounds, but without qualifying for

immediate payment of your pension, you may be entitled to a preserved

pension as shown on page 14.

You may also receive a separate lump sum payment from the Company

(not from the RMSPS and/or the RMPP).

In cases of ill health retirement, decisions on which ill health terms apply to

you and therefore which benefits you will receive from the RMPP will be the

responsibility of the Company and are governed by the National Ill Health

Retirement Agreement – as agreed with the recognised Trade Unions.

You can download a copy of the  NIHRA

I  had a quick look - presumably this is what applied to you when you left

4.2   “Retirement on ill health grounds with lump sum payment” means the cessation of employment as a result of serious physical or mental ill health (not simply a decline in energy or ability) such that, in the opinion of Royal Mail Group or associated employer, the employee is, for the foreseeable future, incapable of:

 

       a)     carrying out his current duties;

 

       b)    carrying out such other duties for the employer as the employer might reasonably expect the member to perform.

There follows a long description of

7.    ILL HEALTH PROCESS

 

7.1  Access to the Process

and definitions of ill health.

This would be worth a read before you apply?

Andy_L

Androidrex said:

Hi I'm new on here so not that used to the site .I was ill health retired last year at 54 and have applied for my pension early they have told me I may be considered for early 
for a I'll health pension at 55  (very soon) which would be a full pension and not reduced by 25percent because of early take up,but I have to have medical opinions that "I'll never work again",I find this strange because does that mean I can't work again 
as in any paid work however sedentary or 
Just that I can't do my old job as in extremely physical 12 miles walking a day manual handling heavy items etc that caused some of my heath problems.Or so I'll or disabled I have no chance ever of working.
Royal Mails advice as been hard to understand and complicated and wonder if anyone had a similar experience.Would be grateful for advice thanks 

It will depend on the scheme rules.
Some schemes (eg LGPS) pay a higher ill health pension if you "can never work again" and a lower one if you can't do your old job but could do a less demanding one