This chapter deals with some very complicated issues. This is not only because people’s own circumstances are all different, but because the rules and regulations governing eligibility to benefits, pensions and so on are themselves complex and can change frequently. It is very important that, in addition to taking note of the points we make below, you consult other sources of information. Choices that you may make about continuing or leaving work, or about benefits or pensions, may have long-lasting consequences, so it is important to think them through carefully, after seeking impartial advice.