OK I must be well thick. I leave the service next year after 15 nearly 16 yrs -cant take it no more........ What the heck is commutation all about? I know absolutely nothing about it and what do i need to do to apply for it - now that JPA confuses everthing? I am on the AFP 75 scheme and will not be eligible for a pension until I hit 65 - can that be so? Sensible answers are appreciated here - but will accept a severe ribbing also!