W, if u r in receipt of pension (the LTA % figure would seem to suggest you are) then the LTA used was what happened when you had that Benefit Crystallisation Event that was probably when the LTA was higher (£1.25m 15-16 or £1.5m in 13-14). As it’s barely above £1m now probably the former. The LTA % will not change until you have another BCE (second career or private pension). BV - there will be no retrospective, as the LTA has dropped there were Individual Protection schemes (14 and 16 that still exists) and Fixed Protection. The LTA in use will be the one dictated by the government of the day when you elect to have a BCE. The BCE ‘tests’ your LTA to see if you get a tax bill. Hope this helps?