Every Public Service Pension Scheme is working through significant complexity to put in place the Public Service Pensions Remedy for all affected members
All public sector schemes are experiencing challenges delivering the McCloud remedy and all are reporting significant risks to achieving the timescales that have been set for them. As the largest Scheme, the NHS Pension Scheme has made progress towards implementing the McCloud remedy so affected members can make their choice with confidence. Unfortunately, we can’t currently provide timescales for issuing RSS.
We appreciate that this is frustrating, and we sincerely apologise for any inconvenience caused.
We’re doing everything we can to issue RSS as quickly as possible and we will update affected members as much as possible to tell you when you can expect to receive your RSS. Once a revised timeline has been agreed, we will share this on our website.
In 2015, the government changed most public service pension schemes, including the NHS Pension Scheme. These changes did not apply to members who were close to retirement. The Court of Appeal later found that this was unfair to younger members.
The government is removing this age discrimination from public service pension schemes in two parts.
Part 1 of the public service pensions remedy
Completed in 2022, all active members are now members of the 2015 Scheme. This makes sure all active pension scheme members are treated equally.
Part 2 of the public service pensions remedy
The second part is to correct the discrimination that could have happened between 1 April 2015 and 31 March 2022. This is known as the remedy period.
The public service pension remedy, sometimes called the McCloud Remedy will:
- give affected members a choice of whether they receive 1995/2008 Scheme or 2015 Scheme benefits for their service in the remedy period
- move any service that affected members built up in the 2015 Scheme during the remedy period back into the 1995/2008 Scheme
What you can do in this hub
In this hub you can:
- learn about the public service pension remedy or McCloud remedy
- check if your NHS pension is affected by the public service pension remedy
- find out when you’ll make your decision about your NHS Pension benefits for the remedy period
- learn more about rollback of remedy period service
- find out more about contingent decisions
- understand the effect of rollback on annual allowance
- learn about your NHS Pension benefits in the 2015 Scheme since 1 April 2022
- learn more about the NHS Cost Claim-back Scheme
- follow our latest news about the public service pension remedy
You may find it useful to read our glossary (PDF: 238KB) which explains the terms and phrases used.