帮我翻译一个英语句子，谢谢！！~

it has been estimated that around one in five pensioners leak to these benefits do not actually claim them
它有是估计大约一 / 五的领年金者漏洞对这些利益做不实际上要求他们
when you retire,you are allowed to exchange part of your expected pension for a lump sum-and this is tax-free under the present law
当你隐居,你是允许到交换你的部份预期的退休金为一个总计金额-和这在现在的法律之下是免税的
we are ready to start services immediately upon bid of government approval
我们在政府赞成的竞标之上立刻对开始服务准备好

据估计：大约5分之1的养老金领取者并没有提出申请就享受到了其好处。
给不给分啊？？
当你退休之后，你可以用你愿意拿出的一部分养老金来兑换一笔不小的数目，而且还法定免税。

正确答案：
it has been estimated that around one in five pensioners leak to these benefits do not actually claim them
据估计，大约五分之一的有权得到养老金好处的人实际上并没有去领取它们。
when you retire,you are allowed to exchange part of your expected pension for a lump sum-and this is tax-free under the present law
当你退休的时候，你是被允许用你部分应得的养老金来支付应该一次付清的款额，而根据现行的法律，这是免税的。
we are ready to start services immediately upon bid of government approval
我们准备当政府正式