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Sorry gainful employment means not being able to work full time it does not mean you have to be not capable of doing any other work.
Check your pension wording its misleading.
It may be you can apply before 55yrs if ill health is preventing you being able to do your job. Carry on working on a part time less than 30 hrs basis in a less stressful role.
Discuss with your pensions provider.
TH going on and on xxx
Just wanted to say thank you for steering me in the right direction regarding my finances.
I've started looking into my pension and mortgage. Of course I've misplaced all the necessary passwords and so I'm having to prove I'm me (which is taking a while) - and I've already got confused, but it's a start.
Thank you. :). J