General   (General discussion, talk about anything.)

I've been getting my mineworkers pension since I was 28 years old.

Serps (state earnings related pension scheme) is what it says on the tin, 'State Pension', sometimes known as 'old age pension' or just 'pension'.
Not everybody gets it, but most do.
What this thread was started about is called the M.P.S., or the Mineworkers Pension Scheme.
The Mineworkers Pension Scheme is what'scalled a 'workplace pension'.
A 'workplace pension' can be "as well as" or "in place of" state pension.

A 'rule of thumb' can be taken as "you only get back what you've paid into.