I did just over 12 years and was aware that I would get a pension at age 60. What I was not aware of was that it was not automatic, so I had a word with an ex-RAF mate who was already drawing his AF pension and who talked me through what to do. I got a tidy lump sum and a couple of grand a year. The irony was that I was earning well in my civvie job so did not really need the money but took it anyway. What I did not realise was that it was paid gross and just after I retired I got a 'we have reviewed your Tax History' from the Inland Revenue and ended up having to pay a couple of grand from my tax allowance to make it up.