Steady gents - lets not hijack the Ops thread and lets
get back on topic 
Very sorry to hear of your situation. you have every right to come on hear to vent your anger and frustrations and in my opinion owe no apology. I recently vented my own frustrations about my own current troubles albeit different circumstances and it made me feel somewhat better about things!!
You are right to feel frustrated in that you are being financially restricted in what benefits you receive simply because you have rightly prepared yourself for your impending retirement. That simply doesn't seem right.
It is a sad indictment of the state our country finds itself in today.
I wish you luck in sorting your situation out.
Best wishes
Dave