I did not see anything that addresses the pension formula in this T.A. if the retirement age gets changed to age 65. The T.A. states when a pilot reaches his "normal retirement date" the formula kicks in. It does not specify age 60 or 65. We all know if you retire before age 60 (which is the normal retirement date now) you get penalized 3% for every year early. If they change the retirement age to 65 (which will become the new retirement date) do we take a 3% a year hit if we retire at age 60? The company must know it's coming because it is addressed in the LTD section and states you will get benefits there till age 65 now instead of 60. I can't seem to find anywhere that we can still retire at age 60 without taking a hit if the age 60 rule is changed to 65. Anybody know?