Does the reduced allowance of £10,000 annual contribution to a money purchase scheme (from £40,000) apply - if I take a final salary income from a previous employers scheme. 

I plan to continue working for another 3 years and this pension can be drawn now without penalties, with a cash free lump sum option also.

My understanding is this allowance reduction only applies if i draw income from a pension pot.

I just want to be sure that drawing this final salary income doesnt restrict my present company contributions.