I am a teacher, have done nearly 13 years according to TPS. My current pension is thus about £5K a year, with a £15 K lump sum. I am nearly 55. If I take early retirement, I understand that these figures will be adjusted down. I have a couple of other small pension pots from previous roles outside of teaching, but cannot access these until I am 60 or even 65. Then there is the state pension at 65. I emailed TPS asking if instead of taking a lump sum, I could have an increased pension - but I am still awaiting a reply - does anyone know if this can be done? I am really not looking forward to September, I want out....but I cannot live on £5k a year, the mortgage still needs to be paid!