If you are a member of CARE you may be covered for benefits if you become too ill to work. There are two levels of cover:
Incapacity; and
serious incapacity.
The benefit you receive will depend on the severity of your illness at the time and your ability to continue working.
You must be a contributing member under age 65 and have been a member of CARE or any other company pension arrangement for at least six months.
The Company decides whether you are entitled to incapacity and serious incapacity pension. It will need satisfactory medical evidence of your ill-health before any pension is paid. Once in payment, your pension will be increased in the same way as normal retirement income. You will have an option to exchange part of your pension for tax-free cash sum.