I've read through several forum responses, and if I've missed a good thread on this topic, please would you post me in that direction? My best 3 years of salary out of the last 10 means that I should retire in August 2018 (TPA suggests that my monthly pension could go down after this). However, because of finances, I need to work for another year. TPA said to opt out and then opt back in again. Besides the fact that I should aim not to pass away whilst opted out, I don't really understand how they wouldn't just keep adding the years back on again when I opt back into paying my pension? Is this because I then become a member under the Average Salary Scheme? Any light shed on this is much appreciated.