The NRA60 element of our pensions closed in 2010. There is no benefit to deferring it after age 60.
The NRA65 is slightly different because we’re still accruing benefits, at least until 31st March 2018!
The maximum number of ‘pension years’ we can accrue is 45 and the latest age we have to take the pension is 75. Details on the pensions website.
Therefore I would suggest that your colleague will need to work out whether it’s worthwhile waiting until 31st March 2018 to get a little bit more pension, but lose out on receiving his already accrued pension from age 65 to that date.
Or whether it’s best just to take it at 65 and lose out on a few extra months worth of pension.
Whichever they choose, there would be no benefit from deferring their NRA65 after April 2018 at the latest(assuming proposed closure to future accrual goes ahead).
If in doubt consult an IFA.
If they intend on staying in RM employment after taking their NRA65, then paying into the DC scheme until they reach 45 years service would be an option to consider.
I assume they've already taken their NRA60?