I started late in Public Service so at 65 I will only have 30 years pension paid up. Thankfully I have a pension in form of Buyout Bond from my previous employment. I will probably keep going until about 67 if I'm healthy and able so my question is, can I postpone my Back up pension until 67 and use the Lump Sum from this pension to purchase Notional Service for my Public Service pension? If I'm still working the monies won't be needed until I do actually finish up. Secondly I've read that there is a max on your tax free lump sum, would this effect my plan. Allowing for fluctuations the buyout pension should be around 160,000.