Mr G Bickerstaff v Caledonian Macbrayne Crewing (Guernsey) Ltd and Others: 4102596/2025

Referral for by the respondents to the Pension Trustees ( the Trustees) for consideration of the benefit of IHR is contingent on the respondents agreeing to the employee taking IHR and being satisfied, on the basis of written medical evidence, that the employee’s ill health is such that they cannot work again in any industry. 16. The rules of the scheme are as such that for an applicant to successfully apply for IHR as an active member of the scheme ( i.e.