The issue for many aircrew is due to the new PVR terms as of 1 April 12, you lose all FP the day you PVR. For some, this equates to a 20% pay cut. So, unless you have an option around 2015, there is no means of refusing the changes to the armed forces pensions scheme. IF there was an option to opt out with 1 months' notice I would have less of an issue.