Joan had not claimed her state pension as she was not aware of the process or the benefits that she would be entitled to. As Joan should have collected her pension several years previously, PTS were able to put the pension into payment and obtain a backdated lump sum of $145,000 in respect of the unclaimed pension. Joan is also in the process of transferring a number UK pensions to consolidate all of her and her husband’s benefits in Australia and save significant tax in the process.