I recently applied for my preserved pension and gratuity, having served nine years leaving the RN in 1976. I've now received a reply from the SPVA stating that as my application is late (18 months late) they are unable to pay it and that my application will need to be forwarded to the MOD for approval. Also, I am required to write a letter explaining the reason for the delay. The reason is simply the passage of time. I was dimly aware that I might be eligible for a small pension/gratuity but wasn't sure whether it was 60 or 65.Then I met an old oppo who told me to apply because he had been in receipt of it since reaching 60. My question is this: can the MOD withhold the pension simply because it wasn't claimed promptly on reaching the age of 60? Or can they perhaps refuse to pay the arrears? If anyone has experience of a similar situation I'd be grateful to know what the outcome was!