SERPS OPT OUT
Some assumptions here on a complex subject
I retired last year after working from 1964 ie 46 years but I do not get a full state pension because the RAF was opted out of SERPS and thus I am docked £96 per week.
There is iniquity here, the figures assumed the RAF service was pensionable but of course officer service prior to age 21 does not count for pension.
It is often stated that there was an opportunity to make extra payments this is not the case for serviceman