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I retire on ill-health and have underpin protections?

Retired before 1 October 2023 – If you retired on ill-health from deferred membership and are protected, NILGOSC will review the pension that you are being paid.  If the pension you would have built up between 1 April 2015 and 31 March 2022 in the final salary scheme would have been higher than in the career average scheme, then your pension will be increased.  NILGOSC will also pay you arrears of pension and interest.

If you retired with a tier 1 or tier 2 ill-health pension (from active membership) before 1 April 2022 your pension will have been increased by a proportion of the amount of pension you could have built up between your leaving date and your Normal Pension Age.  Providing you are protected, NILGOSC will check your underpin calculation and it will include any part of the increase that applied in the period up to 31 March 2022 or age 65 if this is earlier.  If your pension is increased, then NILGOSC will pay you arrears of pension and interest.

Retired on or after 1 October 2023 – If you retire on ill-health on or after 1 October 2023 and have protections, NILGOSC will include the underpin in your calculations in the same way as for all retirements.

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