My pension provider, Mercer, are telling me that they need two months to organise the paperwork for my pension. The paperwork is sent to me three months before I am due to receive my pension. This gives me one month to make an enquiry. Past experience from this company I have found that it can take up to one month for them to answer an email A few questions. Why do they need two months? I have an Defined Benefit Pension but also a Defined Contribution pension in the form of a lump sum AVC made. I have no control over the date that they encash the units in my AVC. It could be anytime over the two months seemingly. Can I choose the day that they cash these or am I at their mercy? I am told they will send on the end figures in due course. Should the process not start at least six months before the pension is due to start. I am a deferred pensioner and I haven't even received a booklet or anything from them about pensions.