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Out of real work for 4 years now after 32 years of steady employment with one company. I should be fully vested. I would like my pension early pleading hardship. I am only 54, but only have enough cash to for about the next 6 months, then I would probably lose everything, including the house I have lived in for 29 years.. when I legally would take my pension payments , it only pays a lousy 525.00 a month starting at 61.5 years old. I have to assume it has a cash value of some 85-90 thousand dollars right now. Anyone have a good idea .. I am only thinking pension right now.. 500 a month 7 years from now is a slap in the face, but 85-90000 in a lump sum early is another story. I could pay off my house,car, visa, and still have enough to pay the silly tax I am stuck with next April..