Answer:
That depends on which scheme your benefits are in.
The NPA for members in the career average scheme is either your State Pension age or 65, whichever is the later date.
If you've benefits in the final salary scheme then the NPA is 60 or 65 depending on when you entered pensionable service.
If you were in service before 1 January 2007 your final salary NPA is 60 provided you haven't:
- transferred the service out of the Scheme; or
- had a break where you were out of service for more than five years ending after 31 December 2007.
If you entered pensionable service on or after 1 January 2007 or after a break, your final salary NPA will be 65.
If you've benefits in more than one scheme, you’ll have more than one NPA.
If you've benefits in both the final salary and career average, your final salary benefits are protected and will remain in final salary. When you retire we’ll use your salaries earned in career average to calculate your final salary benefits. This is called the final salary link. If you've a break in pensionable service of more than five years ending after 1 April 2015, the salary link is broken and we’ll use the salaries notified to us at the time of the break to calculate your final salary benefits.