I heard a tale that there is currently a trial on a third option on your mil pension. Apparently the idea is your assessed on how long you'd live, then how much you'd get in pension payments. Then if you decide to, you can take one lump sum pay off. Its a gamble, you could be hit by a bus the day after you get the dosh or you could live ten years longer than you were assesed to. If this is true, is the lump sum taxed? If you are not claiming a mil pension would you then be able to get a full civvi pension at retirement age, oh and all the other benefits you can't claim seeing how you served your country, paid NI and tax all your working life etc etc, when spineless shiftless gits who have done sod all but sponge off the state can?