Pensions – Obtaining an Ill-Health Pension, Prognosis & Permanency


This leaflet considers some of the key points to making an application for early retirement and payment of a work-related pension on the ground of ill-health and incapacity. It also considers prognosis and permanency in M.E.


“One of the most difficult work-related problems can be trying to obtain an early pension on the grounds of ill-health i.e. that a person with M.E. has reached the point where there is no realistic chance of a substantial recovery taking place.

“Fortunately, most pension schemes allow their members to apply for early payment of their pension benefits in such circumstances. For some the process proceeds without any hitch. For others, it soon becomes clear that the pension provider is putting up all kinds of hurdles in order to resist making an early payment…

“This leaflet from Dr Charles Shepherd (Hon. Medical Adviser to the ME Association) examines some of the key points that need to be considered before making an application or meeting with your HR department to discuss ill-health retirement.

“We also include a letter for your use about prognosis and permanency i.e. the outlook for people with M.E. and whether the disability is likely to be life-long. This is something an employer and pension provider will take into account before granting early retirement…”

The ME Association telephone helpline – ME Connect – is available every day of the year, during the hours of 10am-12noon, 2pm-4pm and 7pm-9pm. Please phone: 0344 576 5326 if you have any questions or would simply like to talk to someone who is there to listen.

Please note this is a download. You can read it on-screen and save to your computer, phone or other device and can attach it to any email you might need to send. But you will need access to a printer if you wish it printed.



0344 576 5326

Available every day of the week between these times: 10am - 12noon, 2pm - 4pm and 7pm - 9pm.

Calls cost the same as other standard landline numbers (starting 01 or 02). If you have a call package for your landline or mobile phone then calls will normally come out of your inclusive minutes.