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Whether you're a permanent teacher, supply teacher or student teacher, you'll find others in the same situation on our Staffroom forum.

IHR through TPS - any experience please?

9 replies

archaeoptyrx · 14/01/2023 18:43

Occupational health have started talking to me about ill health retirement. I have 21 years of full-time contributions to the Teacher Pension Scheme. I have read all of the information online but can't work out whether we could live off this without my partner needing to take on additional work (I appreciate that, ultimately, I may have no choice). I rang TPS to ask for help to calculate it but they are not allowed to do that. Does anybody know anything about it and feel able to talk me through it? I am not very well and feeling totally overwhelmed. Thank you.

OP posts:
toomuchicecream · 15/01/2023 16:16

Will it be full or partial ill health retirement as that will make a difference.

I have partial ill health retirement- I am fit to work but not fit to teach. I’ve PMd you. Let me know if I can help!

Nimbostratus100 · 16/01/2023 00:49

please can you tell me about this partial ill health retirement too please, I might be going to fall into this catagory

toomuchicecream · 16/01/2023 09:20

What do you want to know? Teachers’ Pensions has 2 levels of ill health retirement to offer: full, where you are not fit to work at all and partial, where you are fit to work but not teach.

If you are awarded partial ill health retirement you are prohibited from teaching, tutoring or lecturing on a paid or an unpaid basis.

With my condition there’s no way I could be in front of a class all day everyday as it’s too physically draining. However, I’m extremely capable of sitting at a desk doing an office based job connected to schools and teaching so that’s what I do now.

Nimbostratus100 · 16/01/2023 09:22

So you cant do any tutoring? I dont know if I will go back to striding round a classroom, bending over work to check it, talking loudly.

I expect I could sit at my dining room table talking quietly to one or two students online or in person

Nimbostratus100 · 16/01/2023 09:23

How do you ask for ill health retirement, and how long does it take to organise?

Thank you

toomuchicecream · 16/01/2023 16:12

They were very clear with me that if I'm not fit to teach, then I'm also not fit to tutor, lecture or work with small groups or individuals. Which seems unfair because it's perfectly possible to not be able to do the job of a class teacher but be able to work with small groups or one to one. However, how could they have rules that said you can do small groups but not whole classes? Define a small group - we know from lockdown how many different ways people interpret what on first sight seems to be clear. Now that we have to teach till we're 67, I can't imagine there will be many people fit to teach whole classes till then - they'd end up with everyone claiming partial ill health retirement. Back in the days when there was funding for intervention teachers and school budgets weren't so strapped, I bet there were a lot of people who were no longer fit enough to teach a whole class but could do small group work, so their role changed to accommodate what they could do. So I can't see any way for them other than prohibiting teaching, tutoring or lecturing. I lead some teacher CPD through a local hub school and they checked what that involved before agreeing that was OK. And as they were processing my application during the lockdowns, they also checked that I wasn't doing any online tutoring or teaching (which I actually could do, as my issue is mobility).

The application process took me a good 18 months, although part of that was because I'd never been seen by occupational health. I arranged my work and my colleagues helped me out so I coped as long as I could with informal adjustments, so I didn't ever see the point of a formal assessment - there wasn't anything extra I could think of that they could suggest. That meant that even though I'd then stopped teaching, I still had to go to the occ health provider for my last school to get the necessary report that said their doctor agreed I couldn't teach. Mind you, he did ask me why I couldn't teach from a wheelchair... He'd obviously never been in an over crowded KS1 classroom!

If you apply whilst working in a school or within two years of leaving, your application is processed by whoever does the HR at your current/last employer. There's a different process if you've not been employed by a school for more than two years but I didn't need that so I can't remember what it was. I had to fill in loads of forms, supply details of my consultant, GP, treatment, how my condition prevented me from doing the job and why my condition wasn't going to improve plus the occ health report recommending partial ill health retirement.

It wasn't easy, even though I had acquired a well known, easily observable, named condition that anyone with common sense would know isn't compatible with teaching. They were rigorous: I started two claims at the same time - my pension and on the critical illness cover I'd taken out over 20 years before. I had the critical illness payout at least a year before my pension came through.

Lancrelady80 · 17/01/2023 01:46

Can you get financial advice on this thru yr union? I know NASUWT have links with Wesleyan, who will come out and talk to teachers about finances for free. Might be worth looking into.

Getupat8amnow · 17/01/2023 06:59

It takes about a year from start to finish and most of that is gathering evidence. Most successful applicants are off sick for a long time prior to getting it. Reasonable adjustments need to have been made at your school first. You need to see occupational health many times. It is a very thorough process, the medical forms are long and require very detailed answers so you will need advice and lots of medical evidence from all your medical professionals. IHR is awarded on two levels or tiers. Teir 1: no teaching but can do other jobs. Teir 2: Absolutely no paid or unpaid work at all. If you are awarded Teir 2 you receive your accrued pension (what you have already put in - you said 21 years of pension contributions) PLUS half your remaining pension contributions until NRA (normal retirement age). So if you are 47 and your NRA is 67 ( as it is for us all now everyone is in the career average scheme) then 47 to 67 is 20 years so in teir 2 you would be awarded 10 extra years pension contributions as half of 20 years is 10 years. It is this enhancement that allows people to retire due to ill health with a liveable income. You really must research everything about teachers ill health retirement so you become an expert in it as it is a complicated process but also a life saver.

Nimbostratus100 · 17/01/2023 07:53

thank you for all your contributions - this is something that I might have to do. Its good to get a realistic overview of the process

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