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If you have a disability or health issue

You can about our cookie policy and change your browser settings at any time. If you need some time off work to manage your health, sick leave can allow you to return to work when you feel well enough. Finding work that suits your life and condition. It can help to talk to someone about your options.

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This could be a friend or family member or perhaps someone from a union, employee assistance helpline or an advice centre. Reasonable adjustments might allow you to carry on working. The Equality Act requires an employer to make reasonable adjustments to enable a disabled person to work.

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Reasonable adjustments can start or change at any time. If you already have reasonable adjustments, you can ask for a review. Asking for new reasonable adjustments if your condition changes. Support to help you keep your job when ill or disabled MoneyHelper. Early retirement, your pension and benefits GOV. Finding free or affordable legal help Citizens Advice. A regulated financial adviser can give you individual advice on the best way of converting your pension into your retirement income.

Stopping work because of health condition or disability

Find a retirement adviser MoneyHelper. Your employer is not allowed to suggest ill health retirement as a way to get you to leave the company. This could be disability discrimination because ill health retirement is your choice.

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Your employer should make reasonable adjustments to allow you to work if you feel able to. Disability discrimination at work. If you decide that ill health retirement is the right option for you, you need to tell your manager. Keep notes about every conversation you have on ill health retirement. If possible, ask someone to come with you to meetings. They can write notes so you can concentrate on what is being said. The notes should include:.

To get ill health retirement, you must provide medical evidence that you cannot do any of the following:. Legal advice can help to make sure the evidence is strong enough for ill health retirement. The evidence should come from a medical professional who can show the impact your condition has on working. You might have to pay for this.

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This could include an independent assessment which is normally done by occupational health. While you are younger than your State Pension age, your pension company might ask you to be assessed during your early retirement. This is to check that you are still unable to work for that company.

Knowing how much money you can get from your pension will help you plan for the future and make sure you have enough money. The amount of money you receive will depend on:. You might have more than 1 pension. Look at them to decide how much money you might receive. These can include:. Plan your retirement income: step by step GOV. If you are unsure about a workplace pension from a employer, contact the pension company.

You can do this by searching for the company or organisation. Find pension contact details GOV. If you are on sick leave or are retiring, work out how much money you will have.

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You might be able to get financial support depending on the amount. If you are retiring on ill health, you can decide how to receive your pension.

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For each pension, you can receive:. Look at all of your pension options. You might decide to get guaranteed income annuity which means you will have a monthly income for the rest of your life. Pension options - what can I do with my pot? Check the policy of each pension to work out what you will receive. If you are seriously ill, you might be able to take your whole pension pot tax free. Higher retirement income for people with poor health MoneyHelper. Budgeting can help keep track of your money. When the council might pay for your social care NHS. Benefits calculator. Mental health and wellbeing NHS.

Get active with a disability NHS. Talk to our online community. Volunteer GOV. Volunteer from home Life of Pippa. If you cannot work full-time because of disability, you can ask your employer for part-time or flexible working.

If you have retired due to ill health we would love to hear from you. Please get in touch with me at [ Discussion in Disabled people - 29 Mar Hello I have just ed this group. I have suffered with depression for over 7 years and the last 4 years have been really bad and my employer has not supported me but rather target me.

I finally Discussion in Employment and careers - 6 Aug Coronavirus: information and updates. Home Advice and support Stopping work and ill health retirement. Stopping work and ill health retirement If you need some time off work to manage your health, sick leave can allow you to return to work when you feel well enough.

Sick leave and sick pay If working is affecting your health, you might consider stopping work. But before this, think about: reasonable adjustments changing jobs how you would manage your money if you stopped working Finding work that suits your life and condition It can help to talk to someone about your options. Reasonable adjustments Reasonable adjustments might allow you to carry on working. UK Reasonable adjustments can start or change at any time. Asking for new reasonable adjustments if your condition changes Support to help you keep your job when ill or disabled MoneyHelper.

Ill health retirement Ill health retirement is when you leave work before the age of 55, due to disability or illness. You cannot get your state pension until state pension age.

Leaving work due to ill health (a brief guide)

Warning Get expert independent advice Seek legal employment advice before starting the ill health retirement process. Finding free or affordable legal help Citizens Advice A regulated financial adviser can give you individual advice on the best way of converting your pension into your retirement income. Talking to your employer about ill health retirement Your employer is not allowed to suggest ill health retirement as a way to get you to leave the company. Disability discrimination at work If you decide that ill health retirement is the right option for you, you need to tell your manager.

The notes should include: the date and time who was there what people said You should not record the meetings, unless you have written permission from everyone beforehand. Providing evidence To get ill health retirement, you must provide medical evidence that you cannot do any of the following: your job any other job for your employer your job or a similar one until you reach state retirement age have treatment that would allow you to do your job Legal advice can help to make sure the evidence is strong enough for ill health retirement.

Financial help if you're disabled

Pension payments Knowing how much money you can get from your pension will help you plan for the future and make sure you have enough money. The amount of money you receive will depend on: how many years you have worked the amount you have earned You might have more than 1 pension.

These can include: state pension, from the government workplace pension, paid by you and your employer personal pensions, paid by you Plan your retirement income: step by step GOV. UK If you are unsure about a workplace pension from a employer, contact the pension company. Having enough money If you are on sick leave or are retiring, work out how much money you will have. Taking money out of your pension If you are retiring on ill health, you can decide how to receive your pension.

For each pension, you can receive: a lump sum payment monthly income Look at all of your pension options. UK Higher retirement income for people with poor health MoneyHelper. Budgeting to stay out of debt You could be entitled to financial support such as: benefits and other ways of funding the extra costs of being disabled Disability Energy Support When the council might pay for your social care NHS Find out which benefits you can claim by using a benefits calculator.

Looking after your wellbeing Sometimes ill health retirement can improve your wellbeing. Mental health and wellbeing NHS It can help you to: manage your condition be less stressed get better sleep Get active with a disability NHS Connecting with others or learning a new skill might help you to adjust. This can include: volunteering starting a hobby ing a support network doing a course Talk to our online community Volunteer GOV.