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The public service pensions remedy – McCloud

Contributions to the NHS Pension scheme will change on 1 April 2024

Read our news article for further information, including details of the new contribution rates: DHSC consultation outcome - April 2024 scheme regulation changes | NHSBSA.

​In 2015 the government made changes to most public service pension schemes, including the NHS Pension Scheme. These reforms didn’t apply to members closest to retirement. The Court of Appeal later found that this discriminated against younger members.

The government is removing this age discrimination from public service pension schemes. It is doing this in two parts.

The first part was completed in 2022 with all active members now being members of the 2015 Scheme, this provides equal treatment for all active pension scheme members.

The second part is to put right, or 'remedy,’ the discrimination that could have taken place during between 1 April 2015 and 31 March 2022, known as the remedy period. The Public Service Pension Remedy, sometimes known as the McCloud Remedy will:

  • give affected members a choice of whether they receive 1995/2008 Scheme or 2015 Scheme benefits for their service in the remedy period
  • return any service that affected members have in the 2015 Scheme during the remedy period back into the 1995/2008 Scheme on 1 October 2023

In this hub you can:

You may find it useful to read our glossary (PDF: 159KB) of the terms and phrases used.​