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  1. I am currently waiting for my Incapacity Benefit to ESA assessment - form submitted 4 weeks ago. However an old work friend has told me to apply for my RBS Bank pension on ill health grounds. I am 52 and I was aware I could apply for my pension early at 55 albeit a lower amount than at 60. I worked for the bank for nearly 26 years and I had to leave in 2005 on heath grounds. Anyway I have been told that at the banks discretion I might be able to apply for my pension now on ill heath grounds and that my pension that was a final salary scheme (currently classed as a deferred pension) and if succ
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