Banki Kuu Pension Fund 2012 FAQs Will my pension increase after retirement? This is subject to periodic reviews, actuarial valuation, and Sponsor approval. Can I assign my benefits or use them as collateral? What happens if I die as a deferred pensioner? What if leave before retirement can I access my benefits? What is a Member Account? What if I retire Early? What benefits are payable should I die before retirement? What is the difference between Annuity and Income Draw Down (IDD) as pensions options?