A plain-English workbook to help you get ready for your McCloud remedy choice. Understand your paperwork, gather your figures, and prepare your questions, before you make any decision.
Educational, not advice
This workbook helps you understand the McCloud remedy, read your Remediable Service Statement, and prepare good questions. It does not tell you which option to choose, score your choices, or take account of your personal circumstances. For free, impartial guidance, MoneyHelper is a good place to start, and for a regulated decision an FCA-authorised adviser. Pension Plain is not authorised or regulated by the FCA.
What the workbook helps you do
- Understand what the McCloud remedy is and how the choice works.
- Work out which group you are in, and what that means for your timing.
- Read your Remediable Service Statement, part by part.
- Record your figures in one place and check them against your own records.
- Prepare clear, neutral questions for your scheme.
- Understand the factors in play, and where to get help with the decision itself.
What it does not do
- It does not tell you which option to choose, or score your options for you.
- It does not replace your official Remediable Service Statement or your scheme’s guidance.
- It does not give financial, tax, or legal advice.
- It does not take account of your personal circumstances. Only you, with help where needed, can do that.
Who it is for
Public service pension scheme members, NHS, teachers, local government, civil service, police, firefighters, armed forces and similar, who had pensionable service during the remedy period (1 April 2015 to 31 March 2022) and want to understand their McCloud paperwork before they act.
What you get
An 18-page, print-and-write PDF workbook. Work through it with your Remediable Service Statement beside you. It is delivered to you instantly by email after purchase, and it is yours to keep.
£19, one-off. Paid securely through Stripe, with instant download by email. Your card statement will show PENSIONPLAIN. By buying, you agree to our Terms of Sale.
Information, not advice. This workbook is educational and is not financial, tax, or legal advice, and it is not a substitute for regulated advice. Pension Plain is not authorised or regulated by the Financial Conduct Authority. The McCloud remedy and its statements are still rolling out and scheme timings change, so always check your own Remediable Service Statement and your scheme’s guidance.