My starting point might be what will the effect on his benefit be? If after adding the lower pension he ceases to be entitled then it doesnt matter.
Having said that however the question might be as with LGPS, what is the 'standard' for his scheme. Certainly in LGPS you can elect to have a larger Lump Sum but that is a request you have to make.
Annual income twenty pounds, annual expenditure nineteen nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery. The blossom is blighted, the leaf is withered, the god of day goes down upon the dreary scene, and—and in short you are for ever floored.
Wilkins Micawber, Ch12 David Copperfield
