If you leave service due to “Incapacity” you may, with the consent of the Company, choose to receive an immediate ill health pension.

“Incapacity” means physical or mental impairment that prevents (and will continue to prevent) you from following your normal occupation or seriously impairs your earning capacity.

The ill health pension is calculated in the same way as for retirement at your Normal Pension Date (age 65) but is based on your Final Pensionable Salary as at your actual date of retirement. The pension may then be reduced for early payment. 

Before any pension is paid, evidence of “Incapacity” will be required.