I will have worked for 12 years after leaving the RAF to receive the full 'new pension' but I always knew that in the RAF I was 'opted out' of what used to be SERPS. My NI contributions were less than if I was opted in so as I say it will have taken another 12 years of being 'in' to get the full £155. This really is not new news but I am dismayed that this is not common news to those still serving and who may need to consider how best to fund their retirement.