I am a health practitioner and have worked since 1995. Now I work mostly 9-5 because of my disability. My clinical condition is now affecting my hands and work is becoming extremely difficult. It takes a lot longer than normal. My line manger is expecting me to carry on as usual but I am unable to continue working like this and feel shit. I am under the care of neuro team but there is no definitive answer to my disease and I am on constant combination of medicines to control my condition.
I am exhausted and tired and feel low all the time. During this Christmas season I have spent hours sleeping and feel life is not worth living. I am 59 and have 12 and 15 years old . Our mortgage is 209k left and if I go part time it will make things worse for my family financially and no guarantee that part time work will help me. But if I retire early I know I would feel better but burdened financially ( not sure if I can claim my pension before 67). My partner is still working and is 55, works full time but he is not paid well so can only afford to pay the bills and food but not mortgage.
please could you help me make sense of this situation. We started family late and paid for rentals for years so not much equity in our house. My life has come to a standstill and I am unable to get my thoughts together to make any decision. I also know that both of my options are not going to help my family but I guess I am looking for something for myself.
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Part time job or retire early
justtask · 29/12/2022 13:39
justtask · 29/12/2022 14:16
Thanks everyone for your replies and I appreciate your responses. I haven’t spoken to my partner yet and I am not sure if I can claim early retirement at this age.Do you think I can email NHS pension directly and check if I qualify ?
AreOttersJustWetCats · 29/12/2022 14:26
At 59 you should be eligible, it's just a question of how it would affect your annuity. That will give you more information to base a decision on.
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