With well-known figures advertising on TV, bank staff trying to sell you their products and adverts encouraging you to "do it online or by phone, it's tempting to pick what looks like the "easy" option.
But easiest is seldom best.
1. They work with you to provide a written plan tailored to your circumstances.
2. The will make sure your plan keeps up with your changing situation.
3. They will assist you to make claiming as stress free as possible.
In a perfect world you would work uninterrupted taking, at most, just your sick leave then retire with a comfortable standard of living until you pass on before your money runs out.
But, as we know, "life ain't perfect"!