For existingNHS scheme members, the main proposals include:Keeping a normal pension ageof 60 (or 55 for staff with special rights) and the right to take a pension afterthe age of 50;Keeping a final salary pensionwith 1/80th accrual rate and 3/80th lump sum for each year of service based on thebest of the last three years of work before the age of 60;A new option to take a largerlump sum, up to 25% of the value of the pension, in return for giving up some of the pension, andSurvivor pensions extended topartners in addition to widows, widowers and civil partners.For new NHS scheme members, theproposals include:A normal pension age of 65 andthe right to take a pension after the age of 55;A final salary pension with 1/60thaccrual rate for each year of service based on the average of the best three consecutiveyears of membership in the ten years before retirement (allowing staff to take alower paid job in the run up to retirement but have their salary calculated on thehigher salary they had before stepping down);The choice to convert up to 25%of the pension in to a lump sum, andA more flexible pension withthe ability to take all or part of the pension while continuing to work and buildup more pension.Both existing and new practitionerswill have a career average scheme with the same benefits as the other staff.