Take a lump sum, annuity, or pension?

Take a lump sum, annuity, or pension?
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Answer :

I would take the roll over and reinvest it in an IRA so you don’t pay taxes or penalty. The 22 a month isn’t very much and if you take that, it will be about 6,000 by the time you are 65. If you wait until you are 65 for the 140 a month, you may not be alive. If you did leave the money where it is and take it out at 65, is it earning interest?
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