Early Retirement due to Poor Health

mrkjd

I am 60 yrs old and only been in the Civil Service Alpha Pension scheme for 2 years. No pension previous to that due to overseas consultancy work.

Unfortunately in the last 6 months I have suffered some life changing ill health after being completely healthy all my life which impacts my social and work life. 

I enjoy my work and genuinely had no plans to stop before 67 but I guess things can change. 

I am now worried about what happens if my condition deteriorates and restricts further my ability to undertake my work role beyond reasonable adjustments. There is no prognosis that this will happen but I am still worried!

Does the Alpha Pension offer early retirement due to ill health and how would it pay out? Would I simply get early access to whatever I have in the pot or would it calculate how much I would get at normal retirement age and pay me that? I would only have 9 years even at that extrapolated rate but if that is not paid then I will be in a difficult place if I deteriorate further.

molerat

First place to start

https://www.civilservicepensionscheme.org.uk/knowledge-centre/pension-schemes/alpha-scheme-guide/

Marcon

....or straight to the ill health section here: https://www.civilservicepensionscheme.org.uk/knowledge-centre/pension-schemes/alpha-scheme-guide/claiming-your-pension-section-05/ill-health-retirement-section-05d/

mrkjd

Thanks for the links.