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  • FIRST POST
    • dibble34
    • By dibble34 23rd Mar 17, 8:24 PM
    • 18Posts
    • 19Thanks
    dibble34
    LGPS ill Health Retirement
    • #1
    • 23rd Mar 17, 8:24 PM
    LGPS ill Health Retirement 23rd Mar 17 at 8:24 PM
    Hi all, first post so be gentle . I have a question about my lgps scheme and wondered if anyone can help. I am 40 and was diagnosed with an auto immune disease 10 years ago and it is looking like I am going to heave to go part time as I am getting worse and really struggling. There is no cure for my condition, just drugs to slow it down. It is not directly life threatening (I hope!!!!!)

    Anyway I have also been looking at my pension as it seems to offer ill health retirement if I am unlikely to be able to wok 30 hours a week or more in the future. I am probably going down to 20 hours and think the doctors will be happy to say this is permanent,

    Requirements for ill health are

    (1) The first condition is that the member is, as a result of ill-health or infirmity of mind or body, permanently incapable of discharging efficiently the duties of the employment the member was engaged in.
    (2) The second condition is that the member, as a result of ill-health or infirmity of mind or body, is not immediately capable of undertaking any gainful employment.

    Gainful employment is classed as 30 hours or more for 12 months which I am pretty sure I could meet. It is point 1 I am struggling to find any details about. Does the same 30 hour rule apply to my current Job? I do desk work so don't think they can say I could do another job. Point 1 just seems so vague!

    So confused, but want to consider all my options. I would rather work part time than retire, but I would be better off retiring from a financial perspective.

    If anyone knows more or can offer advice I would be every grateful

    Thanks
Page 2
    • Silvertabby
    • By Silvertabby 14th Nov 17, 4:14 PM
    • 3,345 Posts
    • 4,939 Thanks
    Silvertabby
    I have some confusion about the process. can anyone explain is it actually my employer who makes the decision based on the medical certificate or is there someone at the pension fund authority who also has a say?
    thanks
    The decision is really made by the Occ Health Dr, who either says 'no' or 'yes - Tier 1, 2 or 3' . The certificate then goes to your employer, and then on to the pensions department.
    • elaneh
    • By elaneh 28th Nov 17, 12:22 AM
    • 5 Posts
    • 3 Thanks
    elaneh
    Hi Silvertabby
    thanks for that
    I found some guidance that says the employer decides based on the certificate of the IRMP but the IRMP must be approved by the authority if they are not the employer (no report yet and not yet even been asked to sign for medical records)
    what I can't quite get is if the employer says yes for an active member is that it? or does the administering authority also have a say?
    trying to understand how many stages
    it is all so stressful!
    Thanks again for your answer, hoping you can help me
    E
    • Silvertabby
    • By Silvertabby 28th Nov 17, 10:14 AM
    • 3,345 Posts
    • 4,939 Thanks
    Silvertabby
    what I can't quite get is if the employer says yes for an active member is that it? or does the administering authority also have a say? Posted by elaneh
    The pensions administrator does exactly that - they simply administer the LGPS on behalf of the employers.

    Some LGPS rules are set in concrete, whereas some lesser aspects are 'at the employers discretion'.

    In the case of an ill health retirement, the LGPS cannot and will not go against the instructions of the employer - as long as they have the correct documentation (especially the medical certificate) they will process the payment.

    Some employers get confused over 'employers costs' - ie, the additional lump sum they may need to pay the pension fund in certain circumstances, such as redundancy or flexible retirement. However, in the case of ill health retirement, the cost of the enhanced benefits is met by the pension fund. That rule is 'set in concrete'.
    • elaneh
    • By elaneh 28th Nov 17, 12:56 PM
    • 5 Posts
    • 3 Thanks
    elaneh
    Thanks that clarifies that at least I am waiting only for the medical stuff and my employer and not then another process.
    You are so helpful. it is very reassuring to have someone that knows what they are talking about
    • Silvertabby
    • By Silvertabby 28th Nov 17, 1:00 PM
    • 3,345 Posts
    • 4,939 Thanks
    Silvertabby
    You're very welcome.
    • hyubh
    • By hyubh 28th Nov 17, 5:56 PM
    • 2,271 Posts
    • 1,744 Thanks
    hyubh
    The pensions administrator does exactly that - they simply administer the LGPS on behalf of the employers.
    Originally posted by Silvertabby
    To be fair to the OP, they wrote of the 'administering authority', not the scheme administrator (if a county council outsources day-to-day scheme administration, it still remains the pension fund's administering authority). With respect to an ill health retirement, while you're right that it is the employer's decision, on advice of an IRMP appointed by them, the IRMP themselves must be approved by the administering authority (this is in the regs).
    • Silvertabby
    • By Silvertabby 28th Nov 17, 6:24 PM
    • 3,345 Posts
    • 4,939 Thanks
    Silvertabby
    The pensions administrator does exactly that - they simply administer the LGPS on behalf of the employers.
    Originally posted by Silvertabby
    To be fair to the OP, they wrote of the 'administering authority', not the scheme administrator (if a county council outsources day-to-day scheme administration, it still remains the pension fund's administering authority).
    Strictly speaking, you're right - but OP spoke of her employer and the administrating authority and so clearly used 'administrating authority' for 'LGPS administrator'.

    With respect to an ill health retirement, while you're right that it is the employer's decision, on advice of an IRMP appointed by them, the IRMP themselves must be approved by the administering authority (this is in the regs).
    That's why I said the the documentation - including the ill health certificate - supplied by the employer must be correct. One of the checks carried out by the LGPS is that the Dr is on the approved list.
    • bon0504
    • By bon0504 10th Aug 18, 10:27 AM
    • 2 Posts
    • 1 Thanks
    bon0504
    Ill health retirement
    Hi
    I have been through the process and it was quite daunting but I was awarded tier 1 without too much difficulty. My line manager was amazing and helped me throughout the process.
    She sat down with me about a year before I applied and told me how to maximise my chances of being granted Tier1.
    You are doing all the right things by collecting info from your medical team especially the fact that they support your application.
    Secondly, reducing your hours as this is something that they are likely to ask from you before applying. I went from five days to 4 dropping a Wednesday which meant i was only doing two days at a time. This made an enormous difference but was still too much, but I had ticked that box. I then reduced to 20 hours which was financially difficult but helped me with my application.
    When I finally applied i was granted tier 1 with no problems.
    I also applied for and was granted PIP while I was waiting on my retirement decision. Don't know if you have this but is a great help financially.
    I have Fibromyalgia which is horrendous and very debilitating.
    Good luck with your application and keep well x
    • Westie983
    • By Westie983 14th Aug 18, 3:12 PM
    • 4,570 Posts
    • 15,090 Thanks
    Westie983
    Just come across this thread as I am in the process of doing this, I dont have a LGPS but I am in the process and it does take a while to sort out, well mine has.

    I have seen the OH doctor and he suggest some adjustments and if these didn't help my working situation then he would support an application for ill health retirement. This was suggested by my employer and not myself, I am happy to continue working with the adjustments in place but they have refused to put these in place and have forced hands towards ill health application.


    I applied to my pension team, with the support of my employer back in October, and we are still waiting, we have send all documents relating to my health, including the OH report but they are stuck on the balance of probability and the permanent element.

    My disability is permanent but its the fine line between me being not able to work in my current role, or in the company or if I would struggle in any form of employment.

    Onwards and upwards but reassuring reading this thread that others have been through the same delays.

    Westie983
    Save 12k in 2018 #10 Total (25000)+15300/12000 = 127.50%
    Sealed Pot Challenge ~ 11 #97 Total (410) + 40/500 = 8.00% ( x 11)
    Xmas 2018 1 a Day #2 Total 115.00/365 = 31.50%
    Virtual Sealed Pot #1 Total 1200/1000 = 120.00%
    2 Savers Club 2018 #16 Total (1500)+-470/2000 = 51.50%

    Total 17,685.00/15865 = 111.47%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
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