Category
Category: McCloud Remedy
The McCloud judgment, the Remedy, and what it means for affected public sector pension scheme members.
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Civil Service pension and McCloud: the remedy explained for alpha and legacy members
How the McCloud remedy applies to the Civil Service Pension Scheme: the 2015 to 2022 remedy period, the rollback to your legacy scheme, the Deferred Choice Underpin and Immediate Choice, your Remediable Service Statement, and…
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Legacy scheme vs 2015 scheme: how public sector pensions compare
The McCloud remedy gives eligible public sector members a choice between their legacy final-salary scheme and the 2015 career-average scheme for 2015 to 2022. How the two designs differ on normal pension age, accrual and…
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How to use HMRC’s ‘Calculate your public service pension adjustment’ service
If McCloud has changed your pension tax for 2015 to 2022, you fix it through HMRC’s online service, not your tax return. What the ‘Calculate your public service pension adjustment’ service is for, what you…
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NHS Mental Health Officer status: what MHO doubling is, and what McCloud changes
Mental Health Officer status doubles NHS pension service after 20 years and lets some staff take an unreduced pension from 55. The 2015 scheme switched the doubling off, but McCloud temporarily turns it back on…
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NHS pension McCloud: 99% of retired members are still waiting for their recalculated pension
99% of retired NHS pensioners in the McCloud immediate-choice cohort — 300,062 of 303,225 members — are still waiting for the corrective recalculation that confirms their pension is correct. Here’s what to do while you…
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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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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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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.