AIBU to find the term 'trivial commutation' patronising?

Well, its vaguely strange, but it wouldn't get me annoyed, really.
I would just take the money, however it was labelled.

Technically Correct definition but wrong connotation. Sounds awful doesn’t it.

It is a very carefully defined legal term used to define pension pots where the total capital sum is under £30,000.

There is absolutely nothing personal about the letter. The person who sent it does not know whether your mother is a multi millionaire or on pension credit.

Every profession has its special language and the legal and financial professions, in particular, do. Most of these words have very clear accepted definitions, for very obvious reasons.

Put the term 'trivial commutation' into google and see the huge number of government, tax and legal sites that come up.

It is not unusual for ordinary words to have very specific meanings, and very different meanings when used by one profession or another.

Just remember professional letters like this are not personal, and the sender knows nothing about the recipient.

I have no idea about patronizing but Trivial Commutation is about cashing in a small pension, not getting an extra £100 a month.
Small pension pots ( under £30,000) cost a lot to administer and the companies want to wind them up by settling the whole lot in one lump sum. Your mother is 91 if she dies in a couple of years the residue of the pension may get forfeit, you need to check the terms of the policy.
However, at 91 I think I would take the cash and use it as I needed it, then when I did die it would be part of my estate for certain.

I have been offered this for a small private pension,I am just awaiting information pack to arrive,the lump sum will come in handy right now.

The term is a legal one, nothing else. It's to do with receiving a proportion of a pension that was set up. Your mum is getting a bit of money each month, that's the main thing, isn't it?

From what I have read and heard on consumer programmes you should be very careful about accepting such an offer. They are usually not to the benefit of the policy holder so please take advice. Maybe at 91 it is a good idea but youner people should be very, very careful.

As others have said, it’s a technical term like “elderly primagravida” for 1st time mother over 35 or senile warts for sebhorreic keratosis. I felt slightly put out when doc told me that’s what my raised brown skin patches were?