I was contacted recently by my pension provider regarding a DB scheme which is being wound up. The company was one I worked with for 14 years. I eventually left them and joined a company for 18 years until I took a voluntary redundancy package 5 years ago. I waived any lump sum payment at retirement age, (3 years time). I would prefer to take the cash option from the wound up scheme, (its not a huge amount btw), instead of the other options, (transfer to PRSA, transfer to current pension scheme). I was wondering whether the decision to forego a tax free lump sum with my existing pension provider would disqualify any lump sum from the "old" provider?