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opted out of pension (serps)

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hi I am 55 this year and not sure what I need to do...I opted out of serps when it very 1st stated late 70's I believe..I carried on receiving top ups from my national insurance until I started working for royal mail from 2003 when these NI contributions stopped.....what effect will this have on my state pension and can I withdraw a lump sum from this or not..i hope you understand what im trying to say..cheers paul

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Hello there.


When SERPS pensions were set up, I don't think you could take the money out as cash, but there have been so many changes that I don't know now, with more coming in April this year.


I would try speaking to the pension provider company or the Money Advice Service and see what they say.




Please let us know how you get on.



Illegitimi non carborundum




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