Quick query and will appreciate thoughts ...... I have built up 20 years and 200 days in TPS. I've been doing supply since the start of this academic year as such not been paying in. I cant in all honesty see myself going back to a permanent job direct with a school so I'm thinking about erly returement at 55 (about 8 months time). I've looked at the figures for my current frozen pesnion and it doesnt look like theres a great deal of difference per year in the pension amount. Obviously it goes up a little for each year I wait, and lump sum. but that seems to be counteracted by the number of years I'fd be paid. Anything else I should be hinking about or may have missed? I would carry on doing supply to top up the pension.