Ill-health retirement

If you’re seriously ill and unable to continue working for Cadent, you may be entitled to ill-health benefits from the Scheme.

The Scheme’s medical adviser would need to carry out a full medical assessment to determine whether you meet the criteria for ill-health retirement.

Ill-health pension:

• If you can’t carry out existing duties, you’ll receive a pension based on your completed Pensionable Service plus half of the remaining period up to age 65.
• If you can’t undertake any employment, you’ll receive a pension based on your completed Pensionable Service plus the future Pensionable Service you would have accrued if you stayed in employment until 65.

Terminal illness:
If your life expectancy is less than 12 months, you could surrender all of your ill-health pension for a lump sum.

The process