McCloud remedy tracker: where each scheme stands

Earlier updates: 8 August back to 20 May 2026

Update, 8 August 2026. Civil Service Pension Scheme: Taskforce update #14, published 6 August 2026, reports “17,014 members are waiting for a retirement quote, including those for future dates” and “There are 13,047 bereavement cases for Capita to resolve”, plus 203 death in service cases more than four months old. These are not comparable with the 9,463 quotes and 4,750 bereavement cases reported on 20 July, because the newer quote figure deliberately includes members whose retirement date has not yet arrived, and the bereavement figure counts all cases to resolve rather than the narrower measures used before. The scheme is counting more of the problem, which is not the same as the problem having grown by that much. Two further points: Grant Thornton is described by the scheme as “a consultancy firm acting as an independent third party, paid for and appointed by Capita, but with our agreement and working under our direction”, and a separate Auditor has now been appointed to review Capita’s past process quality. On McCloud specifically, the recalculations have not started. Members are asked not to contact the call centre “as Capita have yet to work through the recalculations”, and a plan and timescales have been requested but not supplied, so there is still no Civil Service remedy date. Teachers’ Pension Scheme: the Capita-to-TCS handover now has a firm date, 1 November 2026, published by Teachers’ Pensions on 6 August. Sources: Civil Service Pensions Taskforce update #14 (scheme member portal) and Teachers’ Pensions, 6 August 2026.

Update, 29 June 2026. Two developments on the Teachers’ Pension Scheme. (1) TPS handover: the administrator transfer from Capita to Tata Consultancy Services has slipped again, beyond the previously reported October 2026 target, to late 2026 with no firm date announced. The Department for Education says it is working with TCS on a new completion timetable, but none has been published. (2) TPS McCloud RSS backlog: as of 1 April 2026, 68,307 Remediable Service Statements remained outstanding for retired TPS members. Source: Schools Week, late June 2026; DfE confirmation.

Update, 6 August 2026. NHS: record output, and a backlog that grew anyway. NHSBSA’s open dataset on statement delivery, refreshed 30 July 2026, puts June’s output at 3,097 statements, the programme’s biggest month, for a running total of 13,865 since May 2025. The number still due rose from 439,796 to 441,422. It had fallen for twelve consecutive months to April 2026, then rose in both May and June, the two largest sending months on record. NHSBSA’s definition explains how both can be true: the total “may increase over time as members reach the trigger point for requiring an RSS”. The automation the December 2025 ministerial statement promised for spring 2026 has plainly lifted output, from 20 statements in December to 3,097 in June, and the queue still lengthened. The month-by-month figures, and why both things are true at once, are here.

Update, June 2026. The main movements since May: (1) NHS: following a ministerial statement, NHSBSA has moved to a cohort-based timetable. Immediate-choice (already-retired) members can expect their Remediable Service Statements on a rolling basis between 1 July 2025 and 1 December 2026, and affected retired members should receive their remedy choice by the end of December 2027; the active-member timetable stays unset while an independent review of NHSBSA capacity concludes. (2) Police (Scotland): around 97% of deferred-choice and over three-quarters of immediate-choice statements have now been issued. (3) Armed Forces: every remaining case is now classified as complex, the 31 March 2026 deadline having passed, and the next MoD update is due in August 2026. The cohort-by-cohort picture is in the table below.

Update — 20 May 2026. Two scheme-specific updates to the tracker. (1) Teachers’ Pension Scheme: the Capita-to-Tata Consultancy Services administrator handover has been pushed again to October 2026, the third delay since the original October 2025 date. As of mid-November 2025, around 69,700 retired teachers were still waiting for Remediable Service Statements; the 1 April 2026 figure published by Teachers’ Pensions was around 68,000. The Department for Education has paid PwC around £260,000 plus VAT to support the transition. (2) Armed Forces Pension Scheme: the May 2026 Forces Pension Society sitrep confirms the MoD’s 31 March 2026 complex-case RSS deadline has been missed, with no new timeline provided; the next MoD update is scheduled for August 2026. Members receiving an “information only” RSS (typically serving personnel not yet at retirement) do not need to take any action unless the statement specifically says otherwise; election-required RSSs carry a 12-month decision window for the immediate-choice cohort or a 6-month window for the deferred-choice cohort. Police (England and Wales) remains the outlier at around 90% of immediate-choice statements issued. CSPS and TPS sit around 45 to 47%. For the TPS handover specifically, see Teachers’ Pension Scheme: Capita-to-TCS handover confirmed for 1 November 2026.

What this article covers

• Does: Set out where each public service scheme is on McCloud implementation as of July 2026; explain the key terms (RSS, DCU, contingent decision, statutory underpin); flag the Scotland-specific legislative gap; give practical “what to do if your statement is overdue” guidance.
• Doesn’t: Replace the underlying explainers. For how the remedy itself works, see McCloud Remedy: what’s actually happening. For how to read your RSS, see RSS guide. For tax implications, see McCloud and tax.
• If you need advice: Speak to a regulated financial adviser experienced with public service pensions, or contact MoneyHelper for free guidance.

The McCloud remedy was supposed to be largely done by now. The Public Service Pensions and Judicial Offices Act 2022 set a framework; the remedial regulations came into force in October 2023; and most schemes drew up plans to get Remediable Service Statements into members’ hands through 2024 and 2025. Then the real world got in the way: a major administrator went into administration, independent reviews were commissioned, missed deadlines were missed again, and a Scottish legislative gap froze an entire category of decisions.

Progress has been made. But the picture varies considerably between schemes, and what official communications say and what’s actually sitting in members’ inboxes can look very different. This tracker sets out where each scheme stands as of July 2026, what’s confirmed, and what remains unclear. For background on how the remedy works, start with McCloud Remedy: what’s actually happening to your pension.

When can your cohort expect its statement?

McCloud delivery runs cohort by cohort, not scheme by scheme. Broadly, immediate-choice members (those already drawing a pension) are issued a Remediable Service Statement now and choose straight away; deferred-choice members (still active or deferred) make their choice later, at retirement. This table sets out where each scheme has reached for each cohort as of July 2026. The dates are scheme estimates and keep moving, so treat them as a guide, not a promise.

Scheme	Immediate choice (retired / pensioner)	Deferred choice (active / deferred)
NHS (England)	RSS rolling between 1 July 2025 and 1 December 2026; affected retired members should receive their remedy choice by the end of December 2027.	No published timetable; the active-member schedule stays paused pending an independent review of NHSBSA capacity.
Teachers’	68,307 RSSs outstanding at 1 April 2026; the Capita-to-TCS handover slipped past October 2026 and is now confirmed for 1 November 2026.	At retirement; a benefit-statement RSS can be requested through My Pension Online as a planning aid.
Civil Service (alpha)	Inside the wider Capita recovery (17,014 members waiting for a quote at 6 August 2026, on a broader basis than July’s 9,463). Recalculations have not begun and no McCloud date is confirmed.	At retirement.
Armed Forces	Both the original (1 April 2025) and revised (31 March 2026) deadlines have been missed. The 26 August 2026 delivery update records 99,077 statements issued as at 17 August 2026 and 11,770 immediate choice statements outstanding; the audited annual report recorded 98,554 sent and 38,060 outstanding across all cohorts as at 22 June 2026 (HC 388), on a different counting basis, with no completion date given. Deferred members are furthest behind, at 58% coverage at the annual report date.	An annual “information” RSS for serving personnel; an election RSS carries a 12-month window (immediate choice) or a 6-month window (deferred choice).
Police (England and Wales)	Around 90% of immediate-choice statements issued.	An annual-benefit-statement RSS was issued in 2024; the choice is made at retirement.
Police (Scotland)	Over three-quarters of immediate-choice statements issued.	Around 97% of deferred-choice statements issued.
Firefighters (England)	Active processing on local fire-authority timetables; the Matthews second-option window closed on 31 March 2026.	At retirement.
LGPS (England and Wales)	No statement to action, the underpin is automatic; pensioner cases are being reviewed for retrospective correction.	Automatic; underpin figures appear in annual benefit statements from August 2025 onwards.
Scotland (legacy police and firefighters)	Contingent decisions remain paused for certain 1987 and 1992 scheme members pending a corrective Scottish Statutory Instrument.

How to read this tracker

Three terms appear across every scheme section, but they mean different things in different contexts.

Remediable Service Statement (RSS): the statutory document that sets out your service during the remedy period (1 April 2015 to 31 March 2022), the contribution position, and a side-by-side comparison of legacy versus reformed scheme benefits. For most schemes, this is what you need before making your Deferred Choice election at retirement. It’s a calculation document, not a benefit award.

Deferred Choice Underpin (DCU): the mechanism used by the NHS, Teachers’, Civil Service, Police, Firefighters’ and Armed Forces schemes. If you haven’t retired yet, you don’t make a final choice now. Your choice defers to retirement, when the scheme calculates both outcomes and you pick whichever is better. The RSS gives you the numbers; the DCU is the election itself.

Contingent decision: an option in some schemes that lets you take a financially significant step (such as buying back pension service you opted out of during the remedy period) before your retirement DCU election. Relevant mainly where you opted out between 1 April 2015 and 31 March 2022 and later rejoined. In Scotland, a legislative problem has frozen this option for certain legacy-scheme members in both police and firefighter schemes.

LGPS underpin: the LGPS doesn’t use the DCU model at all. No choice required. Your fund automatically calculates both the CARE and final-salary figures for the remedy period (1 April 2014 to 31 March 2022) and pays whichever is higher. Members don’t elect anything; the comparison runs in the background.

LGPS (England and Wales)

Unlike every other scheme on this page, the LGPS uses a statutory underpin rather than the Deferred Choice Underpin. When you take your pension, your fund compares what the CARE scheme produced for the remedy period (1 April 2014 to 31 March 2022) against what final salary would have produced, and pays whichever is higher. There’s no election, no statement to action, nothing for the member to decide.

The remedy regulations came into force on 1 October 2023 and were backdated to 1 April 2014. Pensions already in payment that should have been higher are being retrospectively corrected, with arrears plus interest.

Current status. Annual Benefit Statements issued from August 2025 include underpin information for affected active and deferred members. Administering funds are working through the back-stock of pensioner cases that need reviewing (86 funds in England and Wales, each with its own service histories and final-salary comparisons to work through). There’s no single central timetable, because the LGPS is locally administered. Progress is happening fund by fund.

What members should do. If you were in the LGPS between April 2014 and March 2022 and had been a member of a public service pension scheme on 31 March 2012, your August 2025 (or later) Annual Benefit Statement should show underpin information. If it doesn’t, contact your administering authority. For pensioners, if you’ve heard nothing about a retrospective correction and think you should have, contact your fund directly.

Source: LGPS Regulations 2013 (as amended); LGPS McCloud implementation statutory guidance, June 2024. Underpin data in Annual Benefit Statements: confirmed for August 2025 cycle onwards.

NHS (England)

NHS uses the Deferred Choice Underpin model. Members whose remedy-period service hasn’t crystallised defer their choice to retirement; the RSS gives them the comparison data they’ll need when that time comes.

NHSBSA began issuing RSSs in priority order from 2023-24, starting with retired and near-retirement members. That work has continued, although the full Immediate Choice population isn’t reported as complete.

Current status. Active-member RSSs were originally planned from spring 2025. Delivery slipped substantially, and NHSBSA paused publishing any delivery timetable while an independent review (chaired by Lisa Tennant, Independent Chair of the NHS Pension Board) worked through revised plans. As of spring 2026, NHSBSA still can’t give a public timeframe for active-member statement issuance.

Active members not near retirement don’t need their RSS urgently; the DCU election doesn’t happen until you actually retire. But if you’re approaching retirement and still don’t have your statement, don’t assume it’ll arrive in time. Contact NHSBSA directly.

What members should do. Not approaching retirement soon? Monitor NHSBSA’s McCloud pages for timetable updates and sit tight. Approaching retirement and no RSS yet? Contact NHSBSA before making any irreversible decisions. For the tax side of things, see McCloud and tax: refunds and charges.

Source: NHSBSA McCloud pages; confirmed position spring 2026.

Teachers’ Pension Scheme

TPS’s McCloud story shares some of the same Capita administration difficulties as the civil service scheme, and it’s further complicated by a pending handover to a new administrator that’s already been pushed back once.

Retired members. The original deadline for all Immediate Choice RSSs was early 2025. The Department for Education extended it to 28 February 2026. As of 1 April 2026, 68,307 RSSs remained unissued. Capita has apologised and cited the complexity of the remedy. The DfE acknowledged the disruption, said it was closely monitoring performance, and described some of the delays as “unacceptable.” As of May 2026, there’s no confirmed new deadline for clearing the backlog.

Active members. The formal RSS for active members comes when you apply to retire. Before that point, a Benefit Statement RSS can be requested through the My Pension Online portal from February 2025, useful for planning, not the formal choice document. Active members accrue at 1/57 of pensionable earnings in the career average section.

Capita-to-TCS transition. The handover of TPS administration from Capita to Tata Consultancy Services (originally planned for June 2026) slipped repeatedly and is now confirmed for 1 November 2026. The DfE pushed it back in early 2026 to protect service continuity. The transition won’t change member entitlements, but it will affect the backlog picture until it completes.

What members should do. Retired teacher, no RSS yet? Contact Teachers’ Pensions directly. If you don’t get a satisfactory response within a reasonable period, use the Internal Dispute Resolution Procedure, and escalate to the Pensions Ombudsman if that doesn’t move things. Active members approaching retirement should request the Benefit Statement RSS through My Pension Online now as a planning aid.

Source: Teachers’ Pensions: Making your choices; Schools Week reporting April 2026; MoneySavingExpert April 2026. Outstanding figure: 68,307 as of 1 April 2026.

Civil Service Pension Scheme (alpha)

The civil service scheme has a problem bigger than McCloud. Since December 2025, Capita has been managing a full-scale recovery situation affecting the entire scheme, and the McCloud backlog sits within a much larger set of outstanding work.

Current status. Civil Service Pensions Taskforce update #14, published 6 August 2026, reports 17,014 members waiting for a retirement quote, a figure that explicitly includes those with future retirement dates, and 13,047 bereavement cases for Capita to resolve. Read those alongside, rather than against, the 9,463 quotes and 4,750 bereavement cases reported on 20 July: the newer figures are drawn on a wider basis, so the increase is partly a change in what is counted rather than only a change in the queue. Grant Thornton is assessing whether the assumptions behind Capita’s recovery proposals will deliver, and the scheme describes it as an independent third party paid for and appointed by Capita but working under Cabinet Office direction. A separate Auditor has since been appointed to examine whether the right processes were followed on quotes, bereavements and payments. The retirement modeller is now expected around mid-October 2026. McCloud RSS issuance is still not addressed separately, so there is no public timetable for McCloud-specific statement delivery distinct from the general recovery work.

Capita took on 8,063 inherited cases on 1 December 2025; lump-sum payments from those cases are reported as completed. Employer verification contacts are planned for May and June. The cumulative effect of a prior data breach, the December transition, and year-end queries has stretched capacity significantly.

What members should do. Monitor the recovery plan update pages on GOV.UK; they’re updated regularly and are the best public source on where things stand. If you’re approaching retirement and an outstanding quotation or missing RSS is blocking a decision, contact MyCSP directly and flag that it’s time-sensitive. Don’t make irreversible decisions without the RSS in hand. For full guidance on what to do if your quote is delayed, see Pension Plain’s CSP quote-delays guide.

Source: Civil Service Pensions Taskforce update #13, 23 July 2026 (Civil Service Pension Scheme member portal); Civil Service Pension Recovery Plan Updates (GOV.UK).

Armed Forces Pension Schemes (AFPS 75, 05 and 15)

Armed Forces remedy began on 1 October 2023, covering eligible personnel who served before 31 March 2012 and after 1 April 2015. Like other unfunded schemes it uses the DCU model. Two types of RSS come into play: “information” RSSs issued annually to serving personnel (no action needed) and “election” RSSs that require a choice within six or twelve months, depending on cohort.

Current status. The original RSS deadline was 1 April 2025, extended to 30 September 2025 for non-complex cases and 31 March 2026 for complex cases. Both have now been missed. The scheme’s delivery update of 26 August 2026 gives the position as at 17 August: 99,077 statements issued in total, and 11,770 immediate choice statements still to come, 4,429 being processed and 7,350 awaiting assessment. It gives no completion date and says the next update is due in December 2026.

Two things about those figures are easy to get wrong. The delivery update counts on a different basis from the audited AFPS Annual Report and Accounts 2025/26 (HC 388, published 15 July 2026), which recorded 98,554 statements sent and 38,060 outstanding as at 22 June 2026 across every cohort. The update says it now counts only one type of statement per member, and that statements produced for deferred members it cannot trace have been removed from the reported volume. So the two totals cannot be subtracted from one another, and the 11,770 covers one cohort where the 38,060 covered all of them. Coverage at the annual report date was 83% of active members, 65% of pensioners and 58% of deferred members, so deferred members are furthest behind.

If you have moved and never had a statement, this is the paragraph that applies to you. The delivery update says 1,566 statements cannot be sent because the scheme holds no current address, and that it “cannot send your RSS to you until your details are updated”. Deferred members in that position need to give Veterans UK an up-to-date address before anything else can happen.

What members should do. If you’ve received an election RSS rather than an information one, you have a fixed window (six or twelve months) to make your choice. Missing it means defaulting to legacy scheme benefits for the remedy period. If you’re not sure which type you’ve received, the Forces Pension Society’s RSS explanation webform (in the Members area) is the right starting point. No RSS at all and you think you should have one? Contact Veterans UK.

Source: Armed Forces Pension Scheme annual accounts 2025 to 2026 (HC 388, 15 July 2026); Forces Pension Society McCloud sitrep, May 2026.

Police Pension Scheme (England and Wales)

The Police scheme in England and Wales is locally administered: each Chief Constable sets the administrative timetable for their force within the national framework. The Home Office holds overall policy responsibility.

Current status. Annual benefit statements with RSS information went out to active and deferred members in 2024. Immediate Choice RSSs for retired members (those who retired during the remedy period between April 2015 and September 2023) have been slower. Technical issues with unauthorised-payment calculations caused the delays, and those issues were still being resolved as of early 2026. NARPO’s March 2026 update confirmed implementation is continuing on a rolling basis, but gave no completion date for the outstanding Immediate Choice cohort.

What members should do. Active and deferred members who received an annual benefit statement RSS in 2024 don’t need to act yet; the DCU election is for retirement. Retired members who should have had an Immediate Choice RSS and haven’t: contact your former force’s pensions department. NARPO members can contact the NARPO office directly for guidance on their specific situation.

Source: NARPO McCloud update, March 2026; narpo.org/pensions-challenge-update/; Home Office Police Remuneration Review Body evidence 2026.

Police Pension Scheme (Scotland): the contingent decision problem

Scotland has a specific problem that doesn’t exist in England and Wales.

An interaction between primary and secondary legislation is preventing a cohort of Scottish Police Pension Scheme 1987 members from exercising contingent decisions. It affects members who opted out between 12 March 2012 and 31 March 2015, and/or rejoined before 1 April 2022. The problem: after a buy-back of opted-out service, there’s a question about which legacy scheme applies, and the current legislation doesn’t resolve it cleanly.

The SPPA has paused contingent decision applications from the affected 1987-scheme members while the Scottish Government and UK Government work through it. The Scottish Parliament Finance and Public Administration Committee was in correspondence with the SPPA about this in March 2026. The fix is a corrective Scottish Statutory Instrument, but as of May 2026, the SSI hadn’t been laid and no timetable had been confirmed.

Across Scottish police and firefighter schemes combined, the SPPA has issued statements to around 111,000 of the 215,000 eligible members.

What members should do. If you’re a legacy 1987-scheme member who opted out in the relevant window, your contingent decision application is on pause and there’s nothing you can do to accelerate it. Keep an eye on pensions.gov.scot/latest-news for the SSI announcement. Don’t make irreversible decisions about buying back opted-out service until the legislative position is resolved.

Source: SPPA Police Remedy Contingent Decision page; Scottish Parliament Finance and Public Administration Committee correspondence, March 2026; pensions.gov.scot/latest-news, 17 March 2026.

Firefighters’ Pension Scheme (England)

FPS McCloud progress in England is tracked through the FPS Bulletins published by the FPS Regulations site. Bulletin 103 (31 March 2026) addressed contingent decisions alongside a Written Ministerial Statement on the topic. Bulletin 104 (30 April 2026) covered Q4 2025-26 McCloud compensation claims.

The Matthews remedy (covering retained firefighters who were excluded from the scheme for part of their service) had a second-option exercise deadline of 31 March 2026. That window has now closed.

Current status. As of April-May 2026, FPS McCloud implementation in England is in active processing: compensation claims going in and being decided, contingent decisions processed under formal government guidance, Matthews second option closed. There’s no single central FPS administering body (each fire authority runs its own section) so timetables vary locally. The fpsregs.org bulletin series is the best public source for scheme-wide updates.

What members should do. No RSS and you think you should have one? Contact your fire authority’s pensions team. On Matthews: check whether the second-option deadline applied to you and what the default position is if you didn’t exercise it. The Fire Brigades Union has member guidance on both McCloud and Matthews.

Source: FPS Bulletin 103 (31 March 2026) and Bulletin 104 (30 April 2026).

Firefighters’ Pension Scheme (Scotland)

The same legislative barrier as Scottish police applies here. The SPPA has paused contingent decision applications from legacy Scottish Firefighters’ Pension Scheme 1992 members who opted out between 12 March 2012 and 31 March 2015, and/or rejoined before 1 April 2022.

Same issue, same proposed fix: a corrective Scottish Statutory Instrument is needed, hadn’t been laid as of May 2026, and no timetable had been confirmed. The pause affects only this cohort; other parts of the Scottish firefighters’ remedy continue.

What members should do. Same position as Scottish police: monitor pensions.gov.scot for the SSI announcement, and hold off on irreversible decisions about opted-out service until the legislative fix is in place.

Source: SPPA Firefighters Remedy Contingent Decision page; Scottish Parliament Finance and Public Administration Committee correspondence, March 2026.

What to do if your statement is overdue

Across multiple schemes, there are members who should have an RSS by now and don’t. If that’s you, this is the path.

1. Check your scheme’s own status page first. Each scheme has a dedicated McCloud or remedy section on its website. The NHSBSA, Teachers’ Pensions, MyCSP, Forces Pension Society, and SPPA all publish updates. If you haven’t looked recently, do that before assuming nothing has changed.
2. Contact your administrator directly. Email in writing, include your member reference number, and clearly state that you haven’t received your RSS and are requesting an update on when it will be issued. Keep a copy.
3. If you’re an Immediate Choice member with a ticking clock, say so explicitly. Members who retired during the remedy period and have an outstanding election deadline should make clear to their administrator that this is time-sensitive. Most schemes have a priority route for such cases.
4. If you get no satisfactory response within 8 weeks, invoke the IDRP. All public service pension schemes are required to have an Internal Dispute Resolution Procedure. A formal complaint through the IDRP creates a paper trail and obligates the scheme to respond formally.
5. The Pensions Ombudsman is the final step. If the IDRP doesn’t resolve it, the Pensions Ombudsman handles complaints about public service pension schemes. It’s free, determinations are binding, and as of early 2026 it has signalled it will issue determinations on McCloud complaints to create a body of guidance for schemes.
6. Don’t make irreversible decisions without your RSS. If you’re about to retire, buy back service, take a transfer, or commit to a retirement date, and you haven’t received your RSS, pause if at all possible. The remedy figures can run to thousands of pounds of difference. The RSS is the document that makes informed decisions possible. See How to read your RSS for what to look for when it does arrive.

MoneyHelper. For general guidance on what to do with a public service pension, MoneyHelper (the government-backed service) offers free impartial support. For decisions involving large sums, a regulated financial adviser familiar with public sector schemes is worth finding. The Unbiased directory lets you filter by specialism.

Common questions

Pension Plain’s take

What ought to be a single national project has fragmented into ten different timetables, two administrator crises, and a Scottish legislative gap that nobody appears in a hurry to close. The structure of the remedy makes that almost inevitable: McCloud is an entitlement that has to be administered scheme by scheme, with each scheme’s data, history, and IT estate generating its own delays. The simplest scheme to handle (the LGPS, with its automatic statutory underpin) is the one where members have least to do. The schemes with the heaviest individual-decision content (Teachers’, NHS) are the ones with the longest queues.

For most members not approaching retirement, the practical answer is the same regardless of scheme: wait, monitor your scheme’s status page, and don’t pay anyone to “process your McCloud claim” because there isn’t one. For members approaching retirement, the answer is different: chase, document, and don’t make irreversible decisions before the RSS lands. The IDRP and the Pensions Ombudsman both work, but they work better with a paper trail than without one.

This page will be updated as the picture changes. The next Armed Forces statement delivery update, due in December 2026, the next Civil Service Pensions Taskforce update, the Scottish SSI when it’s laid, and the NHSBSA’s eventual active-member timetable are the events most likely to move things on. Taskforce update #15 was published on 24 August 2026 and no date has been announced for the next one.

Key official sources

• Civil Service Pensions Taskforce update #13, 23 July 2026 (Civil Service Pension Scheme member portal).
• Civil Service Pension Recovery Plan Updates (GOV.UK).
• Forces Pension Society McCloud sitrep, May 2026.
• FPS Bulletin 103-104 (March-April 2026).
• SPPA latest news (Scottish public pensions, including police and firefighter remedy hubs).
• NHSBSA McCloud pages.
• Teachers’ Pensions: Making your choices.
• Schools Week: Teachers’ pensions handover from Capita to Tata delayed again (June 2026).
• NARPO McCloud update.
• Pension Plain: McCloud Remedy: what’s actually happening to your pension.
• Pension Plain: How to read your RSS.
• Pension Plain: McCloud and tax: refunds and charges.
• The Pensions Ombudsman.
• MoneyHelper.

Fact-checked: 2 September 2026 · Last reviewed: 2 September 2026