Pension credits are awarded for every quarter of a season you play. 1 season service time is considered to be 172 days, so it takes 43 days to first qualify, and every 43 days you accumulate after that (max 172 per year) increases your benefit. 10 years is indeed the max benefit, and the benefit figures I've seen for that are $68k annually if you start drawing at 45, or $220k annually if you wait until 62. 1 day of service time, however, does entitle a player to lifetime health insurance. If you reach 10 years service, I think your spouse is also covered for life too (Doug Mientkiewicz hung on for 10 years, in part for this reason). In any case, Poppen had 38 days service time in 2019, so his 2020 service time was pretty important in this regard!