Public sector pensions
Your pension.
In plain English.
No jargon. No sales pitch. Just clear answers about NHS, Teachers, Civil Service, Armed Forces, Police, Firefighters and LGPS pensions, plus the McCloud remedy decision affecting all of them.
Choose your scheme
Seven schemes. One plain-English guide each.
NHS
1995, 2008, 2015 sections
Teachers’
TPS, career average
Civil Service
Alpha, classic, premium
Armed Forces
AFPS 75, 05, 15
Police
1987, 2006, 2015 schemes
Firefighters’
1992, 2006, 2015
LGPS
Local Government
Glossary →
Plain-English definitions
Featured guide
The McCloud remedy, scheme by scheme
Six schemes affected. One Remediable Service Statement. One decision that lasts a lifetime. We walk through what McCloud means for your scheme, and how to weigh the deferred choice when it lands.
Official starting points: GOV.UK McCloud collection · MoneyHelper
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How to read your public sector pension Annual Benefit Statement (2026)
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Pension inheritance tax from April 2027: an executor’s guide for public sector families
From 6 April 2027, unused pension pots fall into your estate for inheritance tax, and your executors must value them,…
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