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Can I retire due to ill health at a young age?

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  • 26-03-2010 7:44pm
    #1
    ralph123
    Registered Users Posts: 4 ✭


    Hi all I was diagnosed with a serious long term illness last year and its looking increasingly likely that I will have to give up work due to my long commute (3 hrs) :(. Does anyone know is it possible to retire due to ill health at a young age , as opposed to just leaving my job? and if so what benefits would I be entitled to claim for?


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    #2
    mp22
    Moderators, Business & Finance Moderators, Regional South Moderators Posts: 6,854 Mod ✭✭✭✭mp22


    have a look here http://www.citizensinformation.ie/categories/social-welfare/social-welfare-payments/disability-and-illness
    you can claim some pensions at a young age if you have enough stamps.As for private stuff I don't have a clue


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    #3
    The_Conductor
    Moderators, Society & Culture Moderators Posts: 32,285 Mod ✭✭✭✭The_Conductor


    ralph123 wrote: »
    Hi all I was diagnosed with a serious long term illness last year and its looking increasingly likely that I will have to give up work due to my long commute (3 hrs) :(. Does anyone know is it possible to retire due to ill health at a young age , as opposed to just leaving my job? and if so what benefits would I be entitled to claim for?

    In general- in order to give up work as a result of an LTI- you would have to be examined by a doctor of the Department of Social and Family Affairs (or if a public sector employee- the Chief Medical Officer)- and declared incapable of working indefinitely.

    From the very brief information you've given- it seems that the commute is more an issue for you- than working itself? I was travelling for between 3 and 4 hours most day- and really couldn't cope with it. I decided to explore moving into a different role- which did not involve a long commute. I'm on half the salary I was on previously- but I get 2 hours extra sleep a night, can get in and out of work in 10-15 minutes, and have a lot less stress in work. Sure the cut in pay is difficult- but you do really have to ask yourself whether your health is worth more than the better salary........

    Simply having a long term illness- does not entitle you to retire early- the illness would have to be such that you were fully incapable of working.


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    #4
    kangaroo
    Registered Users Posts: 651 ✭✭✭kangaroo


    If it's of interest to you, I know people who have retired young with M.E./Chronic Fatigue Syndrome.

    One sneaky thing I've seen happen with people who have/their company have income protection policies is the following: sometimes people think they can't work full-time but might be able to work reduced hours e.g. job-share, less hours, etc. Sometimes they find this is still too much for them. It can happen that then all the person is entitled to is the fraction e.g. 2/3 of the reduced hours. So people have to be careful when reducing their hours in such circumstances.


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