Terminal illness support

If you've been told by a registered medical practitioner that you have less than 12 months to live, you may be eligible to take your full pension as a lump sum. This is known as a ‘serious ill-health lump sum’.

We’ll need written confirmation from a medical practitioner to confirm that you’re expected to have less than 12 months to live. 

To get things started and access your pension benefits as quickly as possible, please contact us.

We’ll then send you a pack that outlines

• your serious ill-health lump sum value
• any relevant tax information
• important things to consider
• information on where you can get more advice, and
• a breakdown of what to do next.

The pack will also include a medical declaration form. We’ll need a registered medical practitioner to complete this before we can complete a serious ill-heath claim.

If you have life or critical illness cover with us, you may also have terminal illness cover, which means that you may be eligible for a payout if you’re nearing or have less than 12 months to live.

If you’ve been diagnosed with a terminal illness, please contact us to let us know. To help you access benefits as quickly as possible, here’s what happens next:

• We’ll send you a claim form which you need to complete and return to us.
• Once we receive your completed claim form, we’ll contact your doctor(s) to ask for medical information. Our underwriters need this to assess your claim. This is a normal part of the process.
• We’ll confirm the outcome in writing, telling you what happens next and when.
• If we pay your terminal illness claim, your policy will end and no further claims will be paid.