I can see why there has to be some sort of administrative line in the sand - if for no other reason because the pension is unfunded. But is it getting less flexible? There are lots of servicemen and women on hard times and ill; that's one of the characteristics of homeless people - that there are lots of SP among them who are simply off the net. It's a bit worrying that there isn't more publicity trying to find these 14,000 "delayed", ignorant or forgetful pensioners, that the implications of not claiming the pension seem to be more calamitous and the window of opportunity to do so is likely to get more compressed.