You've worked at least 25 years in a profession that offers a pension as a retirement plan. You have decided that it's time to retire. So, what do you do with that pension you've been paying into for most of your adult life? Do you take it all in one lump sum or do you opt for the lifetime payments? This can be a very difficult decision to make in Oneida. Let's take a look at both options so you can make an informed decision.