Just wondering if anyone else has encountered this. I reached pension age last month. Decided to continue working for another 12 months, but its not worth staying in the pension scheme(local government, i work in a school), so have requested to opt out of the scheme and get my pension from the scheme henceforth. Only to be told i can only do this if i reduce my hours by 25% !!! How can this be right, its up to me surely if i want to receive my pension from the scheme as i am pension age, why should i be penalised for taking what i am entitled to? Any thoughts or comments anyone? If this is the norm, ok, but it seems wholly unfair to me. Thanks