You are age 45 to 55, served for 20 to 30 years and are entitled to your retirement pay. You can improve your position by serving to at least age 55.
Your benefit is likely to be adequate. But you may wish to build other assets to support your future income needs once you do choose to permanently retire.
You should also consider the tax implications of retiring before or after age 55. Electing a commutation will also reduce your retirement pay, paid for the rest of your life.
We suggest you seek professional financial advice for your situation and needs.