Which job to take

[Thatgirlcandance]

Yes I have. I am also civil service (post 94 (2007)) without 40 years at retirement.
He will actually have nearly 25 years (to age 68 retirement) and worked out his PS pension adds around €73 per week to his pension plus the lump sum. It is the lump sum that really makes the difference. He is outside the PRD net.

I've read the single scheme guidelines etc and your benefit is worked out year on year and then the CPI applied at the end of each following year. It is different to just working out career average. I've done some figures for dh (excluding the CPI) and he would have to contribute over twice what he does at the moment for the same pension (surplus to the State Pension) and the lump sum.

There is also the spouses/widows element to consider as well.