Category
Author: James Heppe-Smith
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McCloud remedy tracker: where each scheme stands
Where each public service pension scheme stands on McCloud remedy implementation as of May 2026. LGPS, NHS, Teachers, Civil Service, AFPS, Police and Firefighters status, plus the Scotland legislative gap.
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LGPS for councillors and mayors: who qualifies from 11 May 2026
From 11 May 2026, councillors at English principal authorities and metro mayors can join the LGPS. Who qualifies, what you actually get, and how to opt in, in plain English.
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McCloud and tax: refunds, charges, and what HMRC actually does
McCloud rollback can change your historic Annual Allowance and lump-sum tax position. Here is HMRC’s framework, the deadlines, and how the numbers settle.
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Remediable Service Statement: how to read your McCloud RSS
Your McCloud Remediable Service Statement explained in plain English: what each section means, the choice it sets up, and the live state of every scheme in 2026.
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Firefighters’ Pension: FPS 1992, 2006 & 2015 explained
What the Firefighters Pension Scheme actually delivers in 2026/27, the four schemes still running, the new five-tier contribution structure, the Sargeant and Matthews remedies, and what happens at retirement.
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Police Pension: PPS 1987, 2006 & 2015 explained (2026/27)
How the three police pension schemes (PPS 1987, 2006 and 2015) actually work in 2026/27, contribution rates, double accrual, McCloud, ill-health and injury benefits, and Scotland and NI variations, in plain English.
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Armed Forces Pension Scheme: AFPS 75, 05 & 15 explained
What the Armed Forces Pension Scheme actually delivers, the only public sector pension where you pay 0% in contributions. How AFPS 75, 05 and 15 fit together, the Early Departure Payment, the McCloud remedy delays,…
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LGPS guide: how the Local Government Pension Scheme works
What the Local Government Pension Scheme actually delivers in 2026/27, CARE accrual at 1/49, the 50/50 section, your pre-2014 final salary link, the McCloud underpin, and what pooling means for your money, in plain English.
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Teachers’ Pension Scheme: plain-English guide (2026/27)
What the Teachers’ Pension Scheme is actually worth in 2026/27, career average accrual at 1/57, the final salary sections you might still hold, McCloud, Phased Retirement, and the Capita-to-TCS handover, in plain English.
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Civil Service Pension: alpha, classic, premium & nuvos
A plain-English guide to the UK Civil Service Pension Scheme for 2026/27, alpha, classic, classic plus, premium and nuvos, plus Partnership, Effective Pension Age, McCloud, and the Annual Allowance trap.