I know of some public service employees on realtively low wages but on relatively high levels of non superannuated overtime or bonus payments. In these cases it is wise to look at supplementing your pension in some way.As long as you have, or will have, 40 years paid in, then no need for any other pension.
YES premium pay is also considered. Your best 3 consequtive years from the last 10 are used to calculate your premium pay which is added to you basic salary to get the figure used to calculate your pension and lump sum.
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