The earliest age at which benefits can be taken from is 55, except for members with a protected Normal Minimum Pension Age of 50. For defined benefit (DB) schemes, the Normal Pension Age (NPA) is 65**. This is the age at which benefits are funded to be paid in full at. There are exceptions to this, depending on the Scheme and when the benefits were built up. If benefits are taken early, they will be reduced to reflect the fact that they are being paid over a longer period. The NPA for the Social Housing Pension Scheme (SHPS) increased to 67 for future service from 1 April 2016. Affected members have already received a communication on this. If benefits are taken before NPA, they are reduced to reflect the fact that benefits will be paid over a longer period; similarly, if benefits are taken after NPA, they are increased.