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If you have a terminal illness, then you need to consider your pension very carefully. If your consultant or GP will confirm in writing that you have less than 12 months to live, then legislation allows pensions you have not yet taken to be paid as a tax-free lump sum. If you have longer than 12 months, you might want to consider waiting to take all of your pension. So if you have a personal pension, rather than buy an annuity with it, or even an impaired life annuity, or entering drawdown, or indeed using the new flexibilities, you can if you meet this criteria, just have a it all paid to you tax-free.
free lump sum. If you take it under the flexible rules, then you could pay income tax on it.
Supposing you have a pension fund of ÂŁ50,000 which you have not taken. If you have a terminal illness and your doctor confirms that you have less than 12 months to live, then you can have the ÂŁ50,000 paid as a one off tax-
Europe uses the same vocabulary. The languages only differ in their grammar, their pronunciation and their most common words. Everyone realizes why a new common language would be desirable: one could refuse
In these circumstances it would also be possible to buy an impaired life annuity with the proceeds instead. This would allow you to take 25% of the fund as a taxfree lump sum. However, the remaining 75% would be converted into an annuity, which would provide taxable income. Please note however, once the money comes out of the pension it will form part of your estate, and be potentially liable to inheritance tax. If the sums are large then it might make sense not to do it all, as most pensions are in trust.
to pay expensive translators. To achieve this, it would be necessary to have uniform grammar, pronunciation and mon words. If several languages coalesce, the grammar of the resulting language is more simple and regular than that of the individual languages. The new common language will be more simple and regular than the existing European languages. I t will be as simple as Occidental; in fact, it will be Occidental. To an English person, it will seem like simplified English, as a skeptical Cambridge friend of mine told me what Occidental is.The European languages are members of the same family. Their separate existence is a myth. For science, music, sport, etc, Europe uses the same vocabulary. The languages only differ in their grammar, their pronunciation and their most common words. Everyone realizes why a new common language
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Living with a Terminal Illness.
Being told you have a terminal illness is something that will likely hit everyone differently. We all die. That’s fact. Fortunately, most people won’t ever have to face that reality of being told they are going to die younger than they ever imagined. That’s scary. It’s a feeling one cannot explain. I never thought I would hear those words either, until this year, when it happened. There are a lot of things in my life I never thought would happen–and they did, and I survived them, and life went on. Now, this is something that is happening to me that ultimately I won’t survive, life will, eventually, not go on this time. Wow. Talk about a kick in the gut. My first instinct was to ball up and hold everything inside, but that’s not who I am. I am a writer–it’s not what I do; it’s who I am! That has been my tagline for the past fifteen+ years, and it’s so very true. Writing is my therapy, and it won’t matter if it’s on the blog
or not, I will be writing about my experiences as I go through them. But I don’t exist in a vacuum, and CTEPH and Congestive Heart Failure, the two potentially terminal conditions I’ve been diagnosed with, and CTEPH in specific is such a rare thing, I thought maybe sharing my experiences will help someone else too. I know it will help me. My health and how it’s changing over the months. It’s also my online journal or log of my health and how it’s changing over the months. I can get so bogged down with the day-today living stuff, that sometimes I forget to look at what’s been lost and what’s been gained, medications changes, diagnoses that came and went, etc. This will be a place to keep that all together for quick access for myself too.
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