Falling ill
nuvos pension scheme
At what point do I qualify for an ill-health pension?
nuvos provides two levels of pension depending on whether:
-
your illness is so severe that there is no chance of you ever working
again (upper tier), or
-
there is a chance of you taking up some employment in the future (lower
tier).
To qualify for the upper tier, you must have been in nuvos
for at least five years and the scheme’s medical adviser must be satisfied
that:
-
because of your health you cannot do any type of employment, and
-
this situation will continue until you reach pension age.
To qualify for the lower tier, you must have been in nuvos
for at least one year and the scheme’s medical adviser must be satisfied
that:
-
because of your health you cannot do your own job or a similar job, and
-
this situation will continue until you reach pension age.
What pension will I get?
Upper tier
You will get your pension from the day you retire. We will not reduce it if
we pay it early. We will also give you a top-up pension calculated
as
Your earned pension * years to age 65
contributing years
Your “earned pension” is the pension you have built up as a result of your
service in nuvos. It does not include any pension
derived from a transfer in, from linking an earlier preserved pension or
any added pension you have bought. You do not have to pay contributions for
this extra pension.
Lower tier
You will get your pension from the day you retire. We will not reduce it if
we pay it early.
Who decides whether I get an ill-health pension and the
level of it?
The scheme medical adviser will decide whether you meet the medical
criteria for an ill-health pension at the upper or lower-tier rate. Your
employer will then decide whether to retire you.
You have a right to appeal if you are refused an ill-health retirement
pension and you think you should qualify. You can also appeal if you are
awarded a lower-tier pension and you think you should qualify for an
upper-tier pension.
What pension will my husband or wife get if I die after
getting an ill-health pension?
Your husband or wife will receive a pension based on three-eighths of your
ill-health pension, including the upper tier top-up pension.
If you are neither married nor in a civil partnership, your partner may
qualify for a pension. This will be the same as the pension for a husband,
wife or civil partner.
