The government has announced new forecasted deadlines for RSS
This announcement sets out deadlines for when NHS Pensions will send Remediable Service Statements (RSS) to members affected by the Public Service Pensions Remedy (also called the McCloud Remedy). More information can be found on our When you'll make your remedy choice web page.
We've started sending letters to NHS Pension Scheme members who:
- have claimed pension benefits from any section of the Scheme
- are affected by the Public Service Pensions Remedy (PSP Remedy), sometimes known as the McCloud remedy
These letters are called Remediable Service Statements (RSS).
What an RSS is
You need to choose the benefits you want for your membership between 1 April 2015 and 31 March 2022. This is called the remedy period.
Your RSS shows you your remedy period benefits under both the:
- 1995 or 2008 Scheme, depending on which one you were a member of before 1 April 2022
- 2015 Scheme
You can then compare the benefits and decide which you’d like to take. You have 12 months from the date in your RSS to do this.
If you do not reply, we’ll update your benefits permanently to pay you 1995 or 2008 benefits for the remedy period. This is option A in your RSS.
You can read more about when you’ll receive your RSS and make your choice in our When you’ll make your remedy choice page.
YouTube video guides
We have YouTube videos to help you understand more about your RSS.
Your RSS has a code at the bottom of each page. You can use this to find the right video for you.
Video for code RSS/1 (YouTube video with transcript)
Video for code RSS/2 (YouTube video with transcript)
Video for code RSS/3 (YouTube video with transcript)
Video for code RSS/4 (YouTube video with transcript)
Revisiting your lump sum
The lump sum amounts in your RSS are based on the assumption you’ll make the same lump sum decision as when you claimed your pension.
Depending on the option you choose for the remedy period, you may be able to take a different lump sum than the one shown in your RSS.
If you’d like to request a different lump sum amount, email us at [email protected].
If you took the maximum lump sum when you retired
The lump sum amount in your RSS is based on the pension benefits available to you. Depending on your circumstances, this could be the same amount you previously took, or it could have changed.
If your lump sum amount increases due to the PSP Remedy and you decide to take the higher amount, we’ll permanently reduce more of your annual pension in exchange.
You could decide to take less than the maximum lump sum and receive a higher annual pension instead. This may mean you need to repay any overpaid lump sum you’ve already received.
If you take a smaller lump sum than the amount shown, it cannot be less than your mandatory lump sum.
Getting advice about your remedy choice
We cannot give you financial advice or tell you which option is best for you.
For most members, your choice will be straightforward. Your RSS should have enough information to help you make an informed decision.
The Department of Health and Social Care (DHSC) has said that they expect only a small number of affected members will need support from an independent financial advisor or accountant about their decision.
NHS Cost Claim Back Scheme
For the small number of members with more complex circumstances, you may need independent advice.
You may be eligible to recover the costs of seeking independent advice using the NHS Cost Claim Back Scheme.
You can read more about the types of costs you can claim back on our NHS Cost Claim Back Scheme page.
If you have any questions
If you have any other questions about your RSS, you can contact us.