I am applying for a pension since my ssda has come through. I am 57years old and my normal retirement age in my union is 62. They offer and early retirement at age 55 but a reduction i n the benefit amount of 3% a year prior to 62.This is going to cost me 14% of my pension. My contension is that I am not seeking an early retirement but since I am disabled I have no choice to retire.I also have been a member for almost 38 years. I am wondering if anyone else has experienced a similiar scenario and a resolution was possible. I would understand if they would do this now and at 62 recalulate my pension but I don,t think they will.Again I have no choice but to retire but I don,t think it is fair to be penalized.Any advice would be really helpful. thanks lacawac