What if I left regular service before reaching IP and joined MPGS?
If you did so with a gap of less than one month, this would count as continuous service. If you then complete 22 years’ service, you would be entitled to a pension paid immediately. If you did not complete 22 years’ service, you would be entitled to a preserved pension payable at age 60 (for service up to 5 April 2006, age 65 for service from 6 April 2006). If the gap between the two periods of service was more than one month, you would have a preserved pension for the first period of service (payable at age 60 and 65 as appropriate) and your MPGS service would be under AFPS 05. You may also choose to add the two periods of service together, but you need to be careful not to worsen your benefits under AFPS 05. The first preserved pension (under AFPS 75) is paid at age 60 and the second would be paid at age 65.
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