On making enquiries re options for leaving early I've been told by a trustee of the DB scheme where I work that because schemes are generally in trouble the trustees hands were tied and not allowing anybody retire early. I was assured this was the case everywhere in all DB schemes and was told there was absolutely no way, without exception including ill health, to access pension until 65. Is this correct? Has the pension authority the right to issue such instructions even though there are provisions for early retirement due to ill health in the rules of the scheme? Bewitched, bothered and certainly bewildered!