Sorry if this is in the wrong forum but it is a request to the old and bold. Firstly, I know you pay tax but do you pay National Insurance contributions on your army pension? Also, my mate finishes his 22 in October and his brother has convinced him that he shouldn't commute because he will be better off if he doesn't. I've always been told that you are better off commuting but don't know why other than your spouse gets to keep the lump sum if you die. Can anybody tell me why because I will be doing this next year.