Public sector pensions
Your pension.
In plain English.
No jargon. No sales pitch. Just clear answers about NHS, Teachers, Civil Service, Armed Forces, Police, Firefighters and LGPS pensions, plus the McCloud remedy decision affecting all of them.
Choose your scheme
Seven schemes. One plain-English guide each.
Glossary →
Plain-English definitions
Featured guide
The McCloud remedy, scheme by scheme
Six schemes, one Remediable Service Statement, one decision that lasts a lifetime. We walk through what McCloud means for your scheme, and how to weigh the deferred choice when it lands. LGPS works differently: its underpin is automatic, so there is no statement to action and nothing to decide.
If you would rather work through your own numbers on paper, there is a McCloud preparation workbook.
Official starting points: GOV.UK McCloud collection · MoneyHelper
Start here
The guides that apply whatever scheme you are in.
The McCloud decision
Latest updates
What we have published most recently.
-
Civil Service pension contributions 2026/27: the rates, a calculator and what changes in 2027
The Civil Service pension contribution rates for 2026/27: four bands from 4.6% to 8.05%, a calculator, the new lower threshold,…
-
Civil Service nuvos pension explained: how it works, what it pays, and when
The nuvos pension scheme is the Civil Service’s career average scheme for civil servants who joined between July 2007 and…
-
Civil Service premium pension explained: how it works, what it pays, and who it pays
Premium is the final salary scheme for civil servants who joined between October 2002 and July 2007. How your Civil…
-
Civil Service classic pension explained: how it works, what it pays, and who it pays
Civil Service classic is the final salary scheme for civil servants who joined before October 2002. How your classic pension…
-
Civil Service alpha pension explained: how it builds up, when you can take it, and what it pays
Civil Service alpha is the career average pension every serving civil servant has been building since April 2022. How the…
-
Can you work after Teachers’ Pension ill-health retirement?
An ill-health pension from the Teachers’ Pension Scheme doesn’t stop you working, but the rules depend on which award you…
Free: the Pension Statement Decoder
Plain English on what your annual statement is actually telling you. Subscribe and we’ll send it, plus one short email every two weeks. No sales, unsubscribe whenever.