What if I become ill?

There are pensions payable on Total Incapacity and Partial Incapacity.

This is where you are not expected to be able to work again. Total Incapacity is a physical or mental impairment and deterioration which, in the opinion of your Employing Company, acting on medical advice, means it is unlikely you would ever be able to work again.

• The pension is based on your Pensionable Salary and Prospective Pensionable Service.

Partial incapacity is a physical or mental impairment and deterioration which, in the opinion of your Employing Company, acting on medical advice, is such as to prevent you from following your occupation (and will continue to do so), and which seriously impairs your earning capacity.

The pension will be the greater of:

a) a pension based on Final Pensionable Salary and Pensionable Service at date of leaving; and

b) a pension based on the lower of:

   i)  a pension based on one-third of your Final Pensionable Salary; and

   ii) a pension based on your Final Pensionable Salary and Pensionable Service to Pension Age.

This is only possible if you have a medical condition where your life expectancy is less than one year. Full supporting medical information must be provided and then if your Employing Company and the Trustee agree, you can commute in accordance with HMRC rules. See the SCPF explanatory booklet for further details.