Ill health retirement (early medical retirement)
Through expert case management and assessments, we provide clear, evidence-based guidance aligned to your pension scheme requirements.
Ill health retirement (early medical retirement)
When Ill Health Retirement Is the Only Option
There may be situations where a return to work is no longer feasible, and ill-health retirement becomes the most appropriate outcome.
Supporting a Fair and Smooth Process
Our ill-health retirement and pension service is designed to support both you and your employee. We ensure the process runs smoothly and achieves the best possible outcome for all parties.
Ideal for:
- Providing evidence-based advice in line with the terms of your pension scheme’s ill health retirement requirements
- Supporting you and your employee through an ill health retirement
Get in touch to discuss ill health retirement
Paul Bennett
Business Development Lead
Sometimes a return to work isn’t feasible
We have extensive experience supporting employers and employees through ill-health retirement processes, ensuring the best outcome for everyone involved.
Book a call nowFAQs
How quickly can you support us?
We have the capacity to mobilise services to meet your timescales, whatever they are. As soon as we understand what your needs are, we’ll deploy clinicians to the benefit of your business and workforce.
What’s the commitment once I work with you?
Sugarman is committed to establishing positive, transparent working relationships with our clients from the outset to provide a high-quality, bespoke OH service. Sugarman is committed to working with the client to achieve increased employee engagement, wellbeing and productivity, with a focus on prevention and value for money. This will promote a reduction in issues such as sickness absence, work-related ill health, presenteeism, litigation claims etc.
How will you keep my employee’s information safe?
Our systems comply with the rules and regulations for keeping your information safe, and we pride ourselves on our care and attention to doing this. We’re also reviewed annually as part of our accreditations.
Do you offer services on a pay as you go basis?
You can purchase our services on a pay as you go basis, or purchase an in-house full occupational health service or anything in between. Our simple pricing structure enables you to build the package, and level of commitment, that works for your business.
How will I know that ill health retirement is the right option before ordering this service?
As an employer, determining whether ill-health retirement is the right option for an employee can be a complex process. We will help you determine if this is the right option considering things like;
Health Condition: Ill-health retirement is typically considered when an employee has a health condition or disability that makes it difficult for them to continue working in their normal job or significantly reduces their earning potential.
Permanent Incapability: Generally, you’ll need to establish that the employee is permanently incapable of continuing to do their job due to a physical or mental condition.
Treatment Options: Show that there are no further treatments or medication available that could enable the employee’s return to work before the normal pension age.
Employer Adjustments: As an employer, you have the responsibility to make reasonable adjustments to ensure your employees are not disadvantaged at work due to a medical condition or disability. If these adjustments make it possible for the employee to continue working, they might not need early retirement.
Terminal Illness: If the employee’s life expectancy is less than one year due to serious illness, they may be able to take the whole of their pension pot as a tax-free lump sum.
Legal and Medical Advice: Legal advice can help ensure the evidence for ill-health retirement is strong enough. The evidence should come from a medical professional who can show the impact the employee’s condition has on working.