A Pengage bird front-facing with three question marks above their head, thinking
McCloud
Laura Bowler

Why McCloud May Not End When NHS Pensions Think It Will

This paper explores unresolved technical, operational and member-experience issues arising from implementation of the McCloud remedy within the NHS Pension Scheme in England and Wales.
Drawing on practical casework and member experience, it considers whether current implementation approaches fully address the wider consequences of delayed correction, member understanding and long-term pension certainty.

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Pengage bird on a tree with coins as fruit - Future Pension
Pensions tax
Laura Bowler

Income Tax and Your Pension: Clearing Up the Confusion

If there’s one topic that consistently ties people in knots, it’s how pensions are treated for income tax. And honestly, it’s no surprise. Pensions are wonderfully tax‑efficient while you’re saving… but they do behave a bit differently once you start taking them. No wonder myths spread so easily.

So let’s break it down in plain English.

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