I wonder how many ex ORs who didn't reach complete a 22 year pensionable engagement claim the pension they are entitled to at age 60. I bet the government is sitting on a lot of unclaimed money. HMG doesn't tell you about it, it is up to the individual to claim.
A mate who completed 13 years and left as a Junior Technician in 1975 now gets £250 a month. He claimed it a year too late but got it backdated.
Armed Forces Pension Scheme (AFPS)