USS ill health experience

lunalg

Hi

Can anyone help with the following questions on USS scheme ;

total incapacity: this will be paid if you cannot find employment that pays a small fraction of the salary you were paid. What is a small fraction?

partial incapacity:  can you work in another role somewhere else that pays less. 

Any advice gratefully received 

DullGreyGuy

Smaller fraction of your previous final salary than the fraction your DB pension will pay?

lunalg

My assumption is that it is a small fraction of salary pre ill health retirement?

Marcon

lunalg said:

Hi

Can anyone help with the following questions on USS scheme ;

total incapacity: this will be paid if you cannot find employment that pays a small fraction of the salary you were paid. What is a small fraction?

partial incapacity:  can you work in another role somewhere else that pays less. 

Any advice gratefully received 

It's on the factsheet:

Total ill health retirement

When you’re eligible

If you can’t do any job in the long term, or only a role that would pay a small fraction of the salary you would have earned, you may be eligible for total ill health retirement.

As a rough guide, a small fraction would be around 10% or less of the salary you would have earned.

https://www.uss.co.uk/for-members/life-events/ill-health-retirement

lunalg

Thank you. So if I earned £60,000 pre incapacity I won’t be eligible for total ill health retirement if I can obtain a job that pays £6k or more. 

Marcon

lunalg said:

Thank you. So if I earned £60,000 pre incapacity I won’t be eligible for total ill health retirement if I can obtain a job that pays £6k or more. 

I'm not sure you even have to obtain it - that's not quite what the factsheet says. It just refers to the ability to 'do' a role: if you can’t do any job in the long term, or only a role that would pay a small fraction of the salary you would have earned, 

Simes122

lunalg said:

Thank you. So if I earned £60,000 pre incapacity I won’t be eligible for total ill health retirement if I can obtain a job that pays £6k or more. 

Correct - it’s quite a stringent rule set,

I retired under full incapacity following a cancer diagnosis last year - feel free to pm me if you want any info about my experience.