Separate treatment from pension eligibility
Being unfit for current duties does not automatically determine the pension outcome. Occupational health, reasonable adjustments, redeployment and the scheme’s incapacity tests can be related but distinct questions.
Build a complete evidence trail
Keep medical reports, job descriptions, occupational-health advice, adjustment history and formal correspondence. Evidence should address the actual statutory or scheme question, not merely name a condition.
Read the decision and deadlines
Ask which regulations and medical opinion underpin the outcome, what benefit tier applies and how service was calculated. If a review or appeal route exists, note the deadline and obtain appropriate union, legal or specialist support.
Frequently asked questions
Does a medical condition guarantee ill-health retirement?
No. The decision applies specific scheme tests to individual evidence.
Can an online calculator value an ill-health pension?
Not reliably. Enhancement and tier rules require administrator and medical decisions.