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Chronic pain

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Medical retirement and Ehlers with fibromalagia

3 replies

Fifteensaresgreat · 25/06/2024 14:37

After years of pain and joint problems I've recently been diagnosed with Ehlers Danlos Syndrome, fibromalagia and congential bone abnormality. I'm still mobile but I struggle in many ways to include 100s of subluxations every day, chronic pain in all joints as well as headaches and fatigue. Over the past few years I have made many adjustments in my life and around my home to make things easier and had largely disguised it from my local authority employer. I work with young children often visiting in clinics, nurseries and homes but am finding it very difficult from a physical perspective even simple things life carrying kit, walking to rooms, getting in and out of car and the physical aspects of working with young children. I have reduced my hours from full- time to half- time to now a quarter-time but I feel that it takes so much out of me that I need to leave. Even typing emails causes pain and swelling to my hands and headaches make it hard to focus. I have a blue badge and am considering applying for PIP but the process seems challenging. At 55 I could possibly take early retirement but my pension will only be around £6,000 ( no children, modest mortgage and husband on average wage so unlikely to qualify for any means-tested benefits). My GP and consultant have spoken to me about medical retirement but I don't know much about this except what I've read today on mumsnet. It's seems that if I got awarded this, my pension could be increased to what it would be at 67 which is a whooping £10,000 more and would make a massive difference. Has anyone been successful in doing this? I have been told my condition is very likely to be progressive so want to make the most of things while I'm able. No matter what, I know I can't keep working but want to ensure I explore the best financial options. The aspects that worries me most is how to trigger medical retirement which seems to involve going off sick for months. I hate to let down people so even when really bad I work evenings, days off and weekends to make up for needing time off so taking months off seems deceitful when I'd rather be clear in sharing that I'm only just holding on now but it's not sustainable and plan for a timely departure within a 3-6 month time frame. I'd really welcome hearing about your experiences- thank you

OP posts:
AudiobookListener · 25/06/2024 18:20

If you work for a local Authority, your pension scheme is presumably a local government pension scheme LGPS scheme. There are many but they all have the same rules, which are online, you can look them up.

Your particular scheme likely has a website too. Sometimes IHR info is not well sign-posted, so try Googling name-of-pension-scheme and ill-health retirement.

Now read-up in those two places about Tier1, Tier2 and Tier3 IHR pensions and see if you meet the criteria.

Get your own medical evidence if you can.

Speak to the union.

Then approach your boss.

Probably you will first need to convince your boss and HR. Likely there will be an in-house occupational health assessment.

If they think you qualify, they will send you for a medical with an independent medical practitioner (the IMP). Get as much medical info as you can and make sure the IMP sees it.

If you are turned down you can appeal.

At every stage, it is likely you will be told "no". Be prepared to keep pushing.

Fifteensaresgreat · 25/06/2024 18:35

Thank you AudiobookListener that's really helpful advice. For the past 3 years I keep hoping that the next medication or consultant will be able to offer a 'fix' so your advice not to accept 'no' is particularly pertinent as I want to be told there's something that can be done and I'm not that bad. However, the latest medical reviews have been very clear.

OP posts:
AudiobookListener · 25/06/2024 19:30

Do get up the courage to try for PIP and ESA too. It's not so awful if you are well prepared.

Excellent advice here, subscribe so you can get the members only guides;
www.benefitsandwork.co.uk

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