pension suspects
We are right to suspect any fiddling with the pension system
I recall being assured in the 70s we would loose nothing by the service opting out of SERPS because only the increased weekly rate would be affected not the basic
Having worked for 43 years and retired from full time at 65 I don't get a full state pension, why not, RAF time doesn't count for SERPS
Also service pre 21 doesn'y count for Offs but does for men, I didnt find that out untill after I retired