We aim to pay any lump sum within ten working days of receipt of all relevant documentation. Your employer needs to forward us information about your pay and employment and you need to complete and return forms relating to your retirement benefits. If you have paid AVC contributions there may be a slight delay as we cannot request return of your fund until your final AVC payment has reached the in-house AVC provider. Pension payments are paid monthly in arrears on the last banking day of every month.