> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.collegia.co.uk/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# What happens if I am seriously ill?

f you are seriously ill and your life expectancy is less than 12 months, then you have the right to take your full pension savings as cash tax-free. You would have to get a proof from a registered doctor that your life expectancy is less than 12 months, there are some forms that you would have to fill out. Please get in touch with us to discuss your personal circumstances.