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.
Glossary →
Plain-English definitions
Featured guide
The McCloud remedy, scheme by scheme
Six schemes, 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. LGPS works differently: its underpin is automatic, so there is no statement to action and nothing to decide.
If you would rather work through your own numbers on paper, there is a McCloud preparation workbook.
Official starting points: GOV.UK McCloud collection · MoneyHelper
Start here
The guides that apply whatever scheme you are in.
The McCloud decision
Latest updates
What we have published most recently.
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Public service pension increase 2027: what September’s CPI means for your April rise
Public service pensions rise every April by the previous September’s CPI. September 2026’s figure, published on 21 October, is 3.5%,…
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The NAO audit of the Civil Service pension move to Capita: what it covers, and what it can’t do for you
The National Audit Office has opened an audit of how the Civil Service Pension Scheme was handed to Capita and…
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Civil Service pension contributions 2026/27: the rates, a calculator and what changes in 2027
The Civil Service pension contribution rates for 2026/27: four bands from 4.6% to 8.05%, a calculator, the new lower threshold,…
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Civil Service nuvos pension explained: how it works, what it pays, and when
The nuvos pension scheme is the Civil Service’s career average scheme for civil servants who joined between July 2007 and…
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Civil Service premium pension explained: how it works, what it pays, and who it pays
Premium is the final salary scheme for civil servants who joined between October 2002 and July 2007. How your Civil…
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Civil Service classic pension explained: how it works, what it pays, and who it pays
Civil Service classic is the final salary scheme for civil servants who joined before October 2002. How your classic pension…
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