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The McCloud Remedy

McCloud is the remedy for the unlawful age discrimination found in the 2015 public-service pension reforms. It affects most members of NHS, teachers, civil service, armed forces, police, firefighters, judicial and most LGPS schemes who were in pensionable service between 1 April 2015 and 31 March 2022. The remedy rolls pre-2022 service back into the legacy scheme by default, and gives you a choice, the Deferred Choice Underpin, at the point you draw your pension.

Start here

McCloud Remedy: what’s actually happening to your pension

The full plain-English guide for this scheme, what it is, how the sections fit together, what you contribute and what you get out.

If your statement has arrived

Remediable Service Statement: how to read your McCloud RSS

A section-by-section walkthrough of the document, the choice it sets up, and where every major scheme stands as of May 2026.

What members usually ask

Will I be better off in legacy or 2015?
Depends on your scheme, salary path, retirement age and tax position. The point of the Deferred Choice Underpin is that you do not have to decide until you actually retire.
What is a Remediable Service Statement?
The official document your scheme administrator will issue showing both legacy and 2015 options side by side, so you can compare. How to read your RSS covers it section by section.
What about tax already paid on the wrong basis?
HMRC runs a public service pension adjustment process. Depending on your situation, you may owe more, be owed a refund, or be unaffected.
When will my statement arrive?
Depends on the scheme. NHSBSA has not published a firm timeline. Other administrators are working through cohorts in stages.

Latest in this scheme

Preparing for your McCloud choice?

The McCloud Remedy Preparation Workbook walks you through reading your Remediable Service Statement, gathering your figures, and preparing your questions, before you decide. It is educational, and it does not tell you which option to choose.

Official sources for this scheme

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.