Hi I'm looking for some advice about this. Just spoke to Teachers' Pensions people and they have advised me to opt out for one month , say September 1st and then opt back in on October 1st. This break in contribution apparently protects my best three years and the higher inflation rate used to calculate my average salary for my pension. My best three years are 2009-2012 so if I don't do this now my average salary will go down. I am contemplating early retirement at 59 (next year) , so this seems like a no brainer, but I am wondering if anyone has done this and can verify that it is right? I am a bit nervous about the whole thing and there seem to be lots of wise voices on here.