The maximum amount of AVCs (normal AVCs, SmartAVCs, lump sum AVCs or a combination) you can save in the BA AVC funds is 50% of your Gross taxable pay. Please keep in mind that for most people, the amount you can take as your tax-free entitlement will stay at 25% of the value of your Scheme pension, up to a maximum amount of £268,275 (25% of the LTA of £1,073,100). This brings the total 2023 pension increase for eligible pensions to 12. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). The Registration Code and the Personal Identification Code is provided by the Pension Service Centre. PO Box 2074. NAPS factor changes from 1 April 2020. Four of the Trustee Directors are appointed by British Airways as Employer Nominated Directors (ENDs). com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). Frequently asked questions (FAQs) on the COVID-19 (Coronavirus) outbreak - 20 March 2020. 6%. Retirement flexibility – You have mentioned that your earnings have reduced following your redundancy and, if you were to retain the BA pension, and the retirement age was say 60, you could. com is for staff who joined British. Annual Report on the Socially Responsible Investment Programme for the year to 31 March 2018. Your Scheme 's actuary will work out the increases, and we will add them instead of normal Scheme increases. You get: a 'Post 2007' service pension worked out as 1/60 of your pay at retirement for every year of Pensionable Service in Plan 60 between 1 April 2007 and 30 September 2010, plus 1/75 of your pay for every further. The value of your BA benefits to compare against the LTA is worked out as 20 times your annual rate of pension plus any AVCs. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). To arrange an additional dependant's pension, you must contact BA Pensions before your pension starts (at retirement or if you take Flexible Retirement ). The informant will need your pension reference number when calling the team. 24 March 2023. mybapension. mybapension. yearly pension at Normal Retirement Age. Looking for old news? mybapension. 25% ( Ground Staff) or 8. mybapension. Carry on paying into your BA pension. January 2022 obituaries. PO Box 2074. If you have registered for online communications you can submit your Notice of Wish directly to the Pensions team by logging into Mybapension online and filling in the online Notice of Wish. These can be downloaded from the latest news pages for. mybapension. The PSTR number is 00302323RH. If you leave your pension with BA it is called a deferred pension. So if you retire on 11 August, your first payment will be on 30 September and will include pension for the period 11 August to 30 September. com is a site for staff who joined British Airways before 1 April 2003 and are members of the Airways Pension Scheme (APS) or the New Airways Pension Scheme (NAPS). The Scheme Rules provide for full pension increases to be paid up until age 65 (men) or age 60 (women) on any GMP. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). mybapension. British Airways Pension Plan (BAPP) BA introduced BAPP for its existing employees on 1 April 2018. NAPS is administered by a Corporate Trustee (New Airways Pension Scheme Trustee Ltd), made up of twelve Trustee Directors. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). The value to be tested against the LTA is worked out by multiplying the gross (i. Please quote your pension number (which is the same as your old BA staff number) in all correspondence. | BA Pensions manages specialist teams dedicated to pensions and financial services. FAQs. From State Pension Age you will also receive a pension from the Government if you have paid sufficient National Insurance Contributions over your working lifetime. mybapension. It is likely that you have questions about your British Airways pension benefits. The Scheme was contracted-out of S2P by the GMP test until April 1997 and subsequently under the Reference Scheme Test until 5. This means that the value of your investment can go down as well as up depending on the performance of the stock market in future years. mybapension. Alternatively, AVCs can be used to buy extra pension, either from BA Pensions. BA Pensions Service Updates. mybapension. com is for staff who joined British Airways before 1 April 2003 and are. They are: The Stock: The pile of facedown cards in the upper left corner. Manage your beneficiaries. What you get at retirement. Visit the Scheme documents page to view the annual report and financial statements for the year ending 31 March 2021. The full Trustee Board meets at least four times a year, and the sub-committees also convene regularly during the year. If you leave your pension with BA it is called a deferred pension. With myPension you can access your personal pension information,. Login to Mybapension Online to use the online pension modeller to view your pension and lump sum options at different retirement ages. I left before 1 April 2007. This is worked out as 20 times your annual rate of pension, e. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). At Normal Retirement Age. ’ page of our website, 1. News articles are published on the APS and NAPS websites. mybapension. mybapension. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). You may need to check with your building society for the correct details to provide. You are now logged out. BA Pensions service update. We will issue a pension increase statement each year, usually near the end of April, with full details of the increase that will apply to your pension and this will include a P60 certificate. Deferred members. In June you voted to elect Kate Gay, and re-elect Jack Weale, as member-nominated Trustee Directors (MNDs) from the pensioner membership. The Corporate Trustee. I will work beyond Normal Retirement Age. mybapension. Alternatively, the informant can fill in our ' Death notification. 6%. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). Currently AVCs can be taken as part of the maximum tax-free lump sum of up to 25% of the available Lifetime Allowance , even if you started paying AVCs after 8 April 1987. or the Trustee at the following address: British Airways Pensions. If I die. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). This can be paid at, or after, your Normal Retirement Age, or you can choose to draw a reduced pension from the age of 50 or even earlier if you become too ill to work. I left before 1 April 2007. Your deferred pension will be reduced if the pension will be paid earlier than your Normal Retirement Age. Your Post 2007 service pension is a percentage of your pay at retirement for service you have completed after 1 April 2007 in either Plan 60 or Plan 65. 56% interest. Trust Deed and Rules. This takes you to a page featuring “My Plans. mybapension. In other words, if you choose to draw your pension on or after 1 October 2023, you will need to exchange less of your pension when taking a tax-free lump sum. Our 2021 Annual Report and Financial Statements now available. They took up their positions on 28 June 2021 and 1 October 2021 respectively, and will serve for between five and five-and-a-half years. To obtain these two codes please ring 0371 384 2682, or +44. = £120,000. indd 2 22/08/23 3:43 PMPlease use the online ‘ Contact us ’ form to request a CETV quotation, or call us on 020 8538 2100 (9am to 1pm, Monday to Friday). Telephone +44 (0) 203 691 3215. mybapension. The two conditions are applied in order and, if neither condition is met, any statutory right you may have to transfer is removed and. What you pay. In October 2018, the Trustee of the Lloyds Banking. 1/60. Deferred members. AVC funds. CPI was 6. The informant will need your pension reference number when calling the team. mybapension. mybapension. Your pension will increase each year in line with the rate specified within the Government’s Pension Increase (Review) Orders issued by HM Treasury. mybapension. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). PO Box 2074. With this rate you pay the same Scheme contributions that you would pay for the standard 1/75 build-up rate but BA then covers the cost of the additional employer’s National Insurance Contributions (NICs), currently 3. The investment objective for the MPF is reviewed. of the Balfour Beatty Pension Fund (BBPF) To access information about your pension benefits. If you have a general pension question, you may find the answer to your query on the ‘ FAQs ’ page. These increases apply to any elements of your pension that qualify for yearly increases under the Scheme Rules. Call us on: 020 8538 2100 Fax us on: 020 8538 2190. Cost of living support. From State Pension Age you will also receive a pension from the government if you have paid sufficient National Insurance Contributions over your working lifetime. 7%). The Pension Schemes Act 2021 introduces two new conditions that must be met before a transfer can be paid from a defined benefit pension scheme, such as APS or NAPS, to another UK or overseas pension arrangement. You can switch from one of the funds to another on the 1st day of any month. You can contact us at any time from age 55 if you wish to draw a reduced pension. You should give this option careful consideration as opting out means you will be giving up valuable pension scheme benefits. Tom Ridge signed a law that expanded pensions for those employees by 25% — and even more for state lawmakers. com. Cost of living support. The Lifetime Allowance (LTA) The lifetime allowance (LTA) is £1,073,100 from April 2020. 6%. Please use the online ‘ Contact us ’ form to request a CETV quotation, or call us on 020 8538 2100 (9am to 1pm, Monday to Friday). mybapension. The lump sum is broadly the difference between benefits you have received, if any, and your contributions plus interest. To book a place, contact Vanessa Rowley or Kasia Ambrose on 020 3691 3215 or email: membership@ba. After that we will only provide a pay slip if the amount you will receive changes by more than £0. Attention! Your ePaper is waiting for publication! By publishing your document, the content will be optimally indexed by Google via AI and sorted into the right category for over 500 million ePaper readers on YUMPU. If you are receiving a single pension entitlement from us, your pension reference number will usually be. 07m and will still apply in most cases if you draw a pension before 6 April 2023 . com. If you have a tax query, please call the tax office on 0300 200 3300 or write to:The first payment is made at the end of the month after the month you retire. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). If you have not yet registered and have lost your registration letter please contact BA pensions on 020 8538 2100 to request a duplicate to be sent to you in the post. The Government raised the minimum retirement to age 55 from 6. 17. 17 March 2023. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). com is a site for staff who joined British Airways before 1 April 2003 and are members of the Airways Pension Scheme (APS) or the New Airways Pension Scheme. mybapension. 5% payment for an Adult Survivor's pension on your death. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). mybapension. mybapension. So if you retire on 11 August, your first payment will be on 30 September and will include pension for the period 11 August to 30 September. This can be found at the top of any personal communications we have sent to you. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). Members must have registered with HMRC before 6 April 2017 for Individual Protection 2014 to apply. mybapension. put you in control of your financial future and planning. Pensions for state employees and teachers have been a wrench in the gears of Pennsylvania government for decades. If you have a deferred pension in NAPS, this is due to be paid from your Normal Retirement Age (NRA) ( Plan 60 or Plan 65 ). Looking for old news? mybapension. Send a message via ' Contact us '. 22. 2. mybapension. New retirement and transfer value factors are in full. If there are questions about your benefits that you would like to see answered on this site please let us know. You can exchange part of your pension for a tax-free lump sum when you take your benefits. Your Post 2007 service pension is a percentage of your pay at retirement for service you have completed after 1 April 2007 in either Plan 60 or Plan 65. mybapension. indd 2 22/08/23 3:43 PMUsing a Chrome or Edge browser, navigate to the MyPBA homepage screen and then click on the “My 1099 form (s)” icon. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). 15bn in deferred contributions into the scheme between April 2018 and March 2020. mybapension. Your deferred pension is worked out at date of leaving as a percentage of your salary, based on the years, months and days that you've been a member of the Scheme (your Pensionable Service ), adjusted for any changes in your BA occupations prior to 1 April 2007 (such as a move from Flying Staff to Ground Staff), plus. If you have a defined contribution pension scheme, you can usually access your pension savings from age 55. Protections are available and further information is. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). Payment of any Discretionary Increase and/or backdated payments may affect your entitlement to Pensions Credit. mybapension. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). mybapension. There are two options within NAPS final salary – Plan 65 and Plan 60 for service after 1 April 2007. The Retail Price Index (RPI) rise over the twelve months to September 2022 was 12. If you are currently under State Pension Age you can choose to build your pension at a slower rate of 1/54 (Flying Staff) or 1/58 (Ground Staff) for future service. Changes to public sector pension schemes. The standard build-up rate in NAPS Plan 60 was 1/75. HM Revenue and Customs (HMRC) will only allow such payments if you have a short time to live. APS is administered by a Corporate Trustee (Airways Pension Scheme Trustee Ltd), made up of eight Trustee Directors. Carry on paying into your BA pension. The Government raised the minimum retirement age to age 55 from 6 April 2010. In June you voted to elect Kate Gay, and re-elect Jack Weale, as member-nominated Trustee Directors (MNDs) from the pensioner membership. 7% & RPI was 8. The Government increased the minimum age for early retirement to age 55 from April 2010. = £104,000. You can register for online communications at any time by clicking the 'Register' button, then following the on-screen instructions. = £104,000. You can choose to use it all to provide a monthly income, or take part of it as a lump sum on retirement. Default build-up rate. So if your BA pension at retirement is £6,000 a year and you have an AVC balance of £5,000, the value of your pension is worked out as follows: 20 x £6,000 a year + £5,000 = £125,000. Your BA pension is only part of the income you will receive on retirement. Retiring Pay - this is usually the average of your pensionable pay over the last two years (or three years in APS Part 5) of pensionable service. This can be found at the top of any personal communications we have sent to you. January 2022 obituaries. Liverpool. Or please use our online ‘ contact us ’ form to get in touch with us. The informant will need your pension reference number when calling the team. If you haven’t used this site before, please use the details provided to you in your welcome pack. 17. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension. mybapension. This can be paid at, or after Normal Retirement Age, or you can choose to draw a reduced pension from the age of 50 or even earlier if you become too ill to work. If you are suffering from a life-threatening illness it may be possible to receive all of your pension as a tax-free lump sum (calculated on reduced terms) whilst continuing to provide a pension for your dependents should you die. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). General scheme information. 15 min ago. It is likely that you have questions about your British Airways pension benefits. Changes to my life. Aviva also offers mandatory and voluntary Scheme pays options. marital status and relationship data, including the full name, date of birth, contact details and relationship to your proposed beneficiaries. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). In addition, members under State Pension Age who have not chosen the 1/54 build-up rate (Flying Staff) or the 1/58 build-up rate (Ground Staff) pay an additional 3. 20 x £6,000 p. From State Pension Age you will also receive a pension from the Government if you have paid sufficient National Insurance Contributions over your working lifetime. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). 17. There are two types of trustee directors. mybapension. 9% It’s these figures that. 24 March 2023. Email [email protected] to MyPension. 99. What we'll send to you, how and when. We provide a pay slip with your first pension payment. In addition, members under State Pension Age who have not chosen the 1/54 build-up rate (Flying Staff) or the 1/58 build-up rate (Ground Staff) pay an additional 3. Pre-retirement Courses. PO Box 2074. Pension increases. Search APS: mybapension online. The seminars are currently being provided exclusively online, by webinar. We try to answer many of them here and you will also find lots of useful information within other areas of this site. 50% (Flying Staff) of your Pensionable Pay. You can contact the General Counsel at British Airways Pension Services Ltd. ”. mybapension. mybapension. 1/60. If you've already received a user ID, you can log in using your username and password. Mixed Portfolio fund (MPF) The MPF is like a unit trust fund, which means your investment is used to buy units of (mainly UK and overseas) stocks and shares. You have one opportunity to make a transfer of part (or all of your AVC Account ) the time of, at or before, drawing your main Scheme pension. He was thrilled to do it, saying it was something he’d waited years to. Contact Aviva directly on 0345 030 7964. Our pension scheme provides you with a pension based on how long you have been in the Scheme and your pensionable earnings. There are four different types of piles in Solitaire. If you no longer have this, please call the Pensions Team on 020 8538 2100 (9am to 1pm, Monday-Friday). com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). mybapension. In addition to the contributions shown above, members who are under State Pension Age pay 3. Please have your Aviva Plan number or. mybapension. The Scheme is responsible for paying any increases due on your GMP until you reach your GMP age. PO Box 2074. This is currently paid tax-free. The Scheme is a Registered Pension Scheme approved under Chapter 2 of the Finance Act 2004. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). =. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New. We offer three AVC investment funds: The Equity Biased Fund (EBF) The Short-dated Gilts Fund (SGF) The Mixed Portfolio Fund (MPF) You can divide your AVCs between any of these funds. I am a spouse/partner or dependent of a member of NAPS. L69 2YL. Scheme documents. If you die whilst an active member of the Scheme - the allowance is calculated as one-sixth of the basic pension you would have received for the years, months and days that you have been in the Scheme plus half the time remaining between the date of your death and Normal. 8 Castle Street. The two conditions are applied in order and, if neither condition is met, any statutory right you may have to transfer is. Bekijk uw aanvullend pensioen. NAPS amendments to Trust Deeds since June 2019. com. The amount. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). 99. The password you should use to register on the website is the one provided in your original registration letter or any reminder letter we have sent to you. If you need to report the death of a loved one, we also. 1% of Band Earnings . Tel: 020 8538 2100. The standard Annual Allowance is currently £60,000 a year. Four Trustee Directors are elected by APS members and pensioners as Member Nominated Directors. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). The password you should use to register on the website is the one provided in your original registration letter or any reminder letter we have sent to you. You may need to check with your building society for the correct details to provide. I am a spouse/partner or dependent of a member of NAPS. Pre-retirement seminars are open to current and former employees who are interested in retirement planning. The Glossary contains definitions of all the technical terms used on this website. Solitaire Rules The different piles. mybapension. Scheme increases in NAPS are generally in line with the Government’s yearly Pensions Increase (Review) Orders (PIRO), up to a maximum of 5% in any year. Cost of living support. Login to Mybapension Online to use the online deferred pension modeller to view your pension and lump sum options at different retirement ages. BA Pensions have announced today that the scheme rises for APS will be 12. mybapension. We may also hold and process some special categories or "sensitive. Our telephone service is currently available between 9am and 1pm, Monday to Friday. You can register for online communications at any time by clicking the ' Register ' button, then following the on-screen instructions. Ontdek hoe eenvoudig het is in onze tutorial! Check uw pensioendatum. If your NAPS membership ended after 31 March 2007 you will be entitled to a pension for pre 2007 service and a pension for post 2007 service. mybapension. The maximum amount of AVCs (normal AVCs, SmartAVCs, lump sum AVCs or a combination) you can save in the BA AVC funds is 50% of your Gross taxable pay. Redirecting to ESS Home in 10 seconds. May 24, 2018. After considering all relevant circumstances, the Trustee has decided to award a discretionary increase of 2. What you get at retirement. There are choices within NAPS that will: meet your needs now and in the future. If you choose to work beyond your Normal Retirement Age, your Pre 2007 service pension and your Post 2007 service pension are treated differently. You will also need your Member Number, a Registration Code and Personal Identification Code. Or, if you take a lump sum, the LTA value would be the cash value of your lump sum plus 20 times your remaining annual pension: lump sum of £20,000 plus 20 x £4,200 p. The Scheme is responsible for paying any increases due on your GMP until you reach your GMP age. On this page are details of former colleagues who have recently passed away. 5% from 10 April 2023. 56%, your AVC balance at the end of the 21/22 year would be calculated as your £1,000 balance increased by 0. mybapension. mybapension. Scheme information. Your deferred pension is worked out at date of leaving as a percentage of your salary, based on the years, months and days that you've been a member of the Scheme (your Pensionable Service ). So if you retire on 11 August, your first payment will be on 30 September and will include pension for the period 11 August to 30 September. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). We may also hold and process some special categories or "sensitive. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). Your deferred pension is worked out at date of leaving as a percentage of your salary, based on the years, months and days that you've been a member of the Scheme (your Pensionable Service ), adjusted for any changes in your BA occupations prior to 1 April 2007 (such as a move from Flying Staff to Ground Staff), plus. Your Dependent children can receive allowances on your death. FIND OUT MORE Documents We’ve put all the relevant Scheme documents in. 1% of Band. Your Dependent children can receive allowances on your death. Address changes can also be accepted in writing with a signature (our address is on the Contact us page). This site is for active, retired and deferred members of the Airways Pension Scheme ( APS ). com is for staff who. mybapension. The informant will need your pension reference number when calling the team. The soaring cost of gas, electricity, groceries and petrol – combined with global supply-chain disruptions – are increasing the current cost of living from every direction. 24 March 2023. The informant will need your pension reference number when calling the team. Pensions with Lifetime Allowance values between £10,000 and £30,000. Putting members first. This can be found at the top of any personal communications we have sent to you. Increases in NAPS are limited to a maximum of 5% per year. A Late retirement increase will be added to your Pre 2007 service pension and you will have five choices in respect of your pension, which are. Looking for old news? mybapension. The standard rate at which your pension builds up is 1/75 (for both Flying Staff and Ground Staff) for which you pay contributions of 5. Close. This is a form of LTA Protection. When you start. Your deferred pension is worked out using a standard formula: Retiring Pay x pensionable service. For example, if you work on a TPT basis for five months, working 80% of your normal, full-time hours, and then return to full-time working for the next seven months, your pensionable service for the year would be: 5 months x 80% = 4 months. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). Carry on paying into your BA pension. All new employees since April 2012 have had access to a Defined Contribution (DC) pension scheme. The seminars are currently being provided exclusively online, by webinar. If you would like us to publish an obituary or eulogy for a former colleague, please send it to us. 5m (IP2014). mybapension. NAPS is managed by a Corporate Trustee (New Airways Pension Scheme Trustee Ltd), made up of twelve Trustee Directors. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension Scheme (NAPS). Je pensioen, dat is iets om naar uit te kijken! Je bent op de juiste plek om je pensioen aan te vragen. com is for staff who joined British Airways before 1 April 2003 and are members of British Airways' Airways Pension Scheme (APS) and New Airways Pension. Then divide this by the current LTA and multiply by 100 to work out the percentage of your LTA you have. com.