A study on the assessment of the management of service terminations and pension pay-outs, has found that the system's delays have had a severe impact on the lives of many retirees, their dependants or beneficiaries. Sakina speaks to Commissioner Lulu Sizani from the Public Service Commission, Pension Fund Adjudicator Muvhango Lukhamaine and Samantha Davidson, Head of Pension Law at Shepstone and Wylie Attorneys.