I am very worried by all of this. My 16 year point is 2017 so I was going to leave at aged 38 and become a teacher with the pension topping up the wage. If the pension changes in 2015/16 this would cost me many thousands of pounds. The only hope I have is I will still get an IP at my 16 year point but only 14/16. I think it will be very harsh for them to say I wont get anything for another 30 years. If this is the case and it is released next year I will go asap.