If you suffer from illness or injury, you may be able to draw your benefits immediately without reduction for early payment.
To qualify for early payment of your benefits on ill health grounds, your previous employer will need to determine that you are:
- permanently incapable of carrying out the duties of your former employment
- unlikely to be able to undertake gainful employment for at least three years before normal pension age (NPA) if this is earlier.
Gainful employment is classed as being able to work for at least 12 months at 30 hours or more per week in any employment. Your employer will need to get the opinion of an Independent Registered Medical Practitioner (IRMP) before they decide and you may have to attend a medical.