Why does she not write a letter to the Pru?
She might not retire at 55 but she could
1) Take a Pension now and continue working
2) Stop paying in & agree to leave the pension pot and allow it to hopefully grow.
3) Continue paying in and hopefully grow the pension pot over time.
Taking a pension at 55 results in a smaller pension that starting at 60/65/70.
It is not the best plan to ignore the letter. Depending on the terms of the scheme there will be steps that your friend does/does not want to happen - best to speak to them.
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