I left pensionable employment in 2018 and have been doing supply. I’m looking to take early retirement in the coming months however I’ve just started a supply contract direct with a school and therefore can/will be enrolled back in. I’m going to be doing that for less than a year ..... possibly only even a term. From what I’ve seen in documents posted here you need to be paying in for more than a year to receive pension benefits .... less than a year means I’d receive an “annuity”? I can’t find anything else about that? Anyone able to explain how it works .... or have experienced it? Should I just opt out? thanks.