UK - Rising ill-health early retirement costs are prompting more firms to insist on medicals before staff can join pension schemes, BUPA claims.
And anyone with a medical condition which might make ill-health retirement more likely will have his or her contract amended to limit a claim on those grounds.
The healthcare provider, which has carried out a number of these medicals, says the practice has grown significantly over the past year.
But BUPA’s Dr Stuart McKenzie believes forthcoming regulations on disability discrimination could pose a question mark over the use of such medicals in future.
He said employers - including the government - were also looking to offer rehabilitation to employees as a proactive way of cutting back on ill-health early retirement pensions.
Norton Rose partner Lesley Browning said it was quite common for scheme rules to state that a medical might be required before anyone could join.
But she said that in many cases this was not imposed. She also pointed out that the Disability Discrimination Act was likely to hold “carve outs” that allowed employers to avoid its provisions where the benefit of following them to the letter would be outweighed by the costs of doing so.