I have just retired from the government service at the age of 65 after rendering the 25-year service. In applying for retirement like in my case, there are two choices or options to make. One is 5-year lump sum and an old-age pension after 5 years. The other one is the 18-month cash payment and pension immediately. I have selected the latter, 18th-month cash payment. Is it a good option I have made?