hi, I'm looking for some advice regarding pension credit. I reach pension age next july, the unemployment benefit office that I sign on as unemployed have told me I should apply for pension credit instead of jobseekers allowance. my wife has a personal pension which she gets when she reaches retirement age in February. I have one which I can get when I reach retirement age next july, both of these together total about ?20,000. do I have to surrender these policys early