Category
Author: James Heppe-Smith
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How UK public sector pensions actually work
How UK public sector pensions actually work, in plain English: defined benefit explained, the seven main schemes, CARE vs final salary, contributions, tax, and the McCloud Remedy. A primer for anyone in or joining the…
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NHS Pension Scheme: the plain-English guide
How the NHS Pension Scheme actually works in 2026/27: 1995, 2008 and 2015 sections, contributions, McCloud rollback, retirement options, plain English.
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McCloud Remedy explained: what it means for your pension
The McCloud Remedy explained in plain English: who’s affected, what happens, and what (if anything) you need to do. Updated for 2026, including the latest on Remedial Service Statement rollout delays.