I work in an organization, where members of staff, when reaching the age of 67, receive pension. Members of staff pay a tax-free amount of money and the organization pays an amount of money. This situation continues until they reach the age of pension. If a member of staff wills to take some of it while he/she is between the age of 60 and 67, the tax that he/she was exempted from. Question: Should I pay Zakat on this money? If yes, is the amount paid as tax included? If the amount is increased by the bank where it is lodged, is it considered usury?