Happy for you chaps with pensions
I am pleased to see you serving chaps discussing pensions and AVC's.Is there not a department in HM Forces where you can get advise.
Spare a thought for lots of guys (like myself) who did up to 21 years 364days, retired before April 1975 and got not a penny.
Check out Equality for Veterans Association and lend your support. A case is going before the courts next year if not sooner.Good luck and safe flying