After what this economy has been through I despise the word 'entitlement'.
SL
So if you were told 5 years before you retire, that you weren't going to get the contracted benefits from your pension scheme, you wouldn't complain?
I bet you'd be top of the whingeing list!
I wasn't given any choice, IASS membership was compulsory at the time, the carrot was the defined benefits promised!