Isn't this essentially social security disability?
> Social Security pays benefits to people who can’t work because they have a medical condition that’s expected to last at least one year or result in death.[0]
The program I was talking about would be more something like retirement+disability, proved by the government with a set retire date (say, 65) and any withdrawals before hand would be at a lesser rate (if proven unfit to work, but not only of a medical condition).
Specifically in the U.S.