ive just found out about serps 2 pension in 1978 I opted out of the state second pension with donations from hmrc going to my contracted out pension with co-operative it has been in a personal pension since then. on finding this out I have found out that if you are diagnosed as 1 year to live.you can take a lump sum payment from this second state pension.i wash totally shocked at the amount of money I am going to get.just letting everyone know in case there are those of you in a situation like me I did not contribute to this pension. iwas contracted out of serps for 7 years before opting back in again all donations paid in to that personal pension was paid by hmrc.i really am shocked I came across this by chance my doc is now doing medical repot about my terminal illness once sent back it will be paid hope this news can help anyone on this site.100% lump sum payment
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