Hi Ian
Well it is a minefield the pension lark and I am no expert, but I am still working (age 58) and have one frozen pension and one am still paying into, now I looked into claiming the frozen one and what I would get in a lump sum and a monthly payment was not worth filling the forms out for as it will pay out £29 grand to my estate if I die before I retire :-/ and at the moment I have another 8 years to go for that.
So as I am still working I am leaving that alone for the moment but still have the right to collect it if and when I have to pack in work.
Each to their own Ian the above is how I feel at the moment 😀
Tom Onwards and Upwards