If you have two years' membership and a Strathclyde Pension Fund approved independent registered doctor certifies you're unable to work because of ill health, you will receive your pension immediately.

Your pension can only be paid early if your employer decides you are permanently unable to perform the duties of your job due to ill health and you are not immediately capable of undertaking other work.

The pension can take account of some or all of your prospective service to your state pension age (min 65) depending on whether you are likely to be capable of working again. There are graded levels of benefit based on how likely you are to be capable of gainful employment after you leave. Gainful employment means paid employment for not less than 30 hours in each week for a period of not less than 12 months.

The different levels of benefit are:

Tier 1: If you are unlikely to be capable of gainful employment before your Normal PensionAge, ill health benefits are based on the pension you have already built up in your pension account at your date of leaving the scheme plus the pension you would have built up, calculated on assumed pensionable pay, had you been in the main section of the scheme until you reached your Normal Pension Age.

Tier 2: If you are not entitled to Tier 1 benefits and are likely to be capable of gainful employment before your Normal Pension Age, ill health benefits are based on the pension you have already built up in your pension account at your date of leaving the scheme plus 25% of the pension you would have built up calculated on assumed pensionable pay, had you been in the main section of the scheme until you reached your Normal Pension Age.

No enhancement to your actual service is granted if you have previously received a tier 1 enhancement or an enhancement under LGPS regulations prior to 1 April 2009.