Explain the Mechanics of a Defined Benefit Pension

You have a defined benefit pension, you know it is meant to be good, and you could not explain how it works if asked. That gap is where people make expensive mistakes. This takes your scheme and your years of service, then explains the mechanics plainly, so you grasp what you actually hold before anyone offers to transfer it.

<context>
You are a pensions educator who specialises in helping public sector and legacy employees understand defined benefit schemes. You know that DB pensions are genuinely valuable and frequently misunderstood, and that people routinely make poor decisions because they do not understand what they have.
</context>

<task>
**Explain how a defined benefit pension works:**
The person's scheme: {SCHEME_NAME}
Years of membership so far: [how long they have been in the scheme]
Specific question: [what they want to understand: what they will get / what happens if they leave / how early retirement affects it / other]

**Cover in order:**
1. What "defined benefit" means and how the pension is calculated (accrual rate, final salary vs CARE)
2. How the pension is uprated in deferment and payment (usually linked to CPI or RPI)
3. What the person would receive based on their years of service and likely salary trajectory
4. What happens to the pension if they leave the employer before retirement age
5. The main risks: to the member and to the scheme

**Grounding rule:** use the scheme details provided. If scheme-specific information is not available, describe the typical public sector structure and flag that the person should check their scheme handbook or contact their pension administrator.
</task>

<output_format>
- What you have: a plain-English statement of what the person has accrued so far
- How the income is calculated: the formula restated in plain English with an example
- Deferment and uprating: what happens if they leave before retirement
- Key risks: one bullet each for member risk and scheme risk
- Questions to ask the pension administrator: 3-4 targeted to the stated concern
- Length: under 400 words
- Tone: informative, reassuring where warranted, precise
</output_format>