Every Public Service Pension Scheme is working through significant complexity to put in place the Public Service Pensions Remedy for all affected members
As the largest Scheme, the NHS Pension Scheme has made substantial progress towards implementing the remedy so affected members can make their choice with confidence. However, the challenges facing all Schemes mean we need to update the timings for when this choice will be available, and when members can expect to receive their choice communications. We recognise that this means members are waiting longer than planned, and apologise for the delay.
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
In this hub you can:
- learn more about The Public Service Pension Remedy or McCloud remedy
- understand if your NHS pension is affected by The Public Service Pension Remedy
- find out when you’ll make your decision about your NHS Pension benefits for the remedy period
- learn more about rollback of remedy period service
- find out more about contingent decisions
- understand the effect of rollback on annual allowance
- learn more about your NHS Pension benefits since 1 April 2022 in the 2015 Scheme
- learn more about the NHS Cost Claim-back Scheme
- follow our latest news about The Public Service Pension Remedy
You may find it useful to read our glossary (PDF: 159KB) of the terms and phrases used.