OpsO1000
Fella, I really hope that you are getting this very wrong indeed. My understanding is that just about the only thing you can count on is that what you have earned to date, you will keep.
So, if it all changes in 2015 (for arguments sake) you will at your 16/38 point get 14 or 15 16ths of your currently expected immediate pension. Worst case then is that you will wait 20 odd years to get the other 1 or 2 16ths that you earned after the rules changed.
But it's all a guessing game and my guess is based on nothing but heresay.
So you may be b*ggered after all. Happy to help.