How do I get an estimate? If you’re over age 55 you could decide to finish work and start drawing your pension straightaway. But, the amounts payable might be lower than those shown on your last Annual Benefit Statement. Please contact us for a full pension estimate before you decide to retire. We will supply you with up to 2 estimates for each pension/ deferred pension record you have with us, free of charge within a 12 month period. In addition we also send an Annual Benefits statement each year for each pension/deferred pension record you have with us. If you require more than 2 estimates in any 12 month period the cost will be £60 including VAT for each extra calculation. If you are considering flexible retirement, redundancy/severance or asking your employer to pay for any reductions on your benefits you need to contact your employer so they can request this information on your behalf.