No. There are two types. One with a lump sum. One with a monthly income. For the latter, a Retirement extension requires 65k a month. A Married extension 45k a month. Only the lump sum needs to be left for a period in the account.
You are a little confused. I used the monthly income system, and can access all of my funds. I tried the Married extension a couple of years ago, and the paperwork was horrendous. A lot less for a Retirement extension.
