So can anyone answer a quick question-if you leave after 2015 but you are not within 10 years of Full pension, ie over 44 last march, do we now have to serve until 40 to get a lump sum, pension from the end of our commission. I'm on AFPS 75 and plan to leave at 38/16 point-where do I, and thousands like me, stand? Its pretty clear what the case is for new-joiners and near-retirees but, as ever, the middle ground is left in a quagmire....This may have massive implications for people of my age approaching their 12 year option right now...