Changes in my circumstances
In this section
What happens if I’m suffering from ill health or I’m unable to work?
Taking your money out early because of serious ill health
If you have serious ill health and your doctor - a registered medical practitioner (RMP) - has confirmed that you have less than a year to live, you may be able to take all your pension pot as tax free cash.
How to apply
- Download the Taking money out due to serious ill health form (PDF).
- Fill in Part 1 yourself.
- Ask your doctor to complete Part 2. They must be RMP or a similar overseas council - we can’t accept forms signed by a nurse.
What happens next
Once we receive your completed form, we’ll check if you qualify for this lump sum and then let you know within 10 working days. We’ll get in touch if we need any further information.
Taking your money out early because you’re unable to work
If you have a physical or mental condition and, your doctor a registered medical practitioner (RMP), has confirmed that you can’t work now or in the future, you may be able to take your money out of Nest before age 55. In some cases, you may need to use part of your pot as a retirement income rather than taking it all as cash.
How to apply
- Download the Taking money out early because you’re unable to work form (PDF).
- Fill in Part 1 yourself.
- Ask your doctor to complete Part 2. They must be RMP or a similar overseas council - we can’t accept forms signed by a nurse.
What happens next
Once we receive your completed form, we’ll get in touch if we need any further information within 10 working days.
If you’re 55 or over
If you’re already 55 or older, you can take your money out of Nest in the usual way. This early-access option won’t apply. For more details, see How can I take my money out of Nest at retirement?
Get further guidance
We recommend that you take guidance from Pension Wise which is a government service by MoneyHelper that offers free and impartial pension guidance.
You can also book an appointment with Pension Wise online or call them on 0800 138 3944 between 9am to 5pm, Monday to Friday.
You may also get advice from an independent Financial Adviser (IFA). Please remember, we won’t be responsible for any fees you may be charged for this service. You can find details of local IFAs at unbiased.co.uk
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