Hi folks ... GREAT forum! Can I get a little advice please? I've just been looking through my little red folder of 'bumph' that I received when I left the Blues & Royals in Sept 1978 and found a letter and an APO Form 359 for a preserved pension. It has an annual figure of £330.00 which it says "is not ,commutable under any circumstance" and is payable at age 60 but reduced at age 65 "as a consequence of the National Insurance Retirement Pensions Scheme". 1) So, my first question is: Will this still be reduced at age 65 even though, under new legislation, I will not receive a State Pension until age 67? 2) Also, assuming I'm on the very lowest basic state pension - Can anyone tell me by how much this is reduced? 3) It also says that the pension will be enhanced by the relevant pension increases which are applied to service pensions generally from the date of discharge. Therefore the next question is: Does anyone have a clue how much it would be worth from July 2014 when I am 60? 4) Finally, does anyone know where I need to go to claim this and how it's done? I have an APO Form 44 and an address for the Army Pensions Office in Stanmore but no other paperwork/information about what to do to make a claim. I served as a Junior/Regular from 1970 to 1978 Many thanks for your help in advance.