(Updated 2025) The McCloud Remedy is the resolution that the government are applying to fix the age discrimination issues from the introduction of the Career Average Revalued Earnings (CARE) public sector pension schemes in 2015. There are many retrospective amendments and updates which can affect the pensionable service and calculations for the period 01 April […]
McCloud – NHS Pensions Compensation Scheme Read More »
When working with individuals, we typically operate as follows: STAGE 1 – WRITTEN STAGE 2 – DISCUSSION We’ll agree your objectives with you and ask for background information. We’ll then prepare a detailed, personalised report. After you have had the chance to digest the content of your report, we’ll then arrange a video or telephone
Services relating to the McCloud remedy Read More »
In 2015 Public Sector pension schemes introduced a new section to their pension scheme structure – all have different names but work in a similar way (2015, alpha, CARE etc). When these schemes were originally introduced not everyone was treated the same. Scheme members were or were not moved into the new section based on
For members of the public sector pension schemes the McCloud judgment is something that many members have heard of. Not many, especially in the LGPS, know how it affects their pension benefits. Legal background The McCloud case was the legal challenge raised by Judge McCloud about how the new Career Average Revalued Earnings
McCloud and the Local Government Pension Scheme (LGPS) Read More »
The McCloud consultation outcome was published in February 2021 and we delivered our first member engagement session on this in April 2021. We presented a series of webinars for a major public sector employer who was keen for their people to be aware of what was happening, how it impacts their benefits and to avoid
McCloud Remedy – Member Webinar Read More »
After the response to the consultation was published, we ran three webinars for employers, focussed on each of the Civil Service, Police & Fire and NHS Pension Schemes. The webinars were engaging and informative and uncovered some concerns that were not immediately obvious. Although the HMT consultation response covers the majority of the public sector
McCloud Remedy – Initial Insights Read More »
In February 2021 HMT published its response to the consultation which is known as the McCloud case. In essence this is about Age Discrimination within public sector pension schemes. What happened? In April 2015 most of the public sector pension schemes within the UK introduced a new section, known as the reformed schemes. These schemes
McCloud Mondays – a reminder of the key issues Read More »
Our founder and director Laura Bowler recently appeared as a guest on the Barnaby Cecil podcast to discuss NHS Pensions and the implications of the McCloud case. It’s worth a listen to hear her insights and to get a feel as to how we go about communicating! You can listen here (Episode 7) or wherever
Headlines: The McCloud consultation outcome (Public service pension schemes consultation: changes to the transitional arrangements to the 2015 schemes) was released today. The remedy will be the deferred choice underpin (DCU). This will enable eligible members to choose whether the legacy or reformed schemes would be better for them for the period between 1 April
McCloud consultation outcome – initial thoughts Read More »
My colleague Laura has been posting about the McCloud ruling on LinkedIn over the last few weeks. McCloud is the age discrimination case relating to 2015 public sector scheme changes. The final remedy is expected from the Treasury in the next few weeks. Laura and I both passionately believe that how the remedy is communicated
Communicating McCloud Read More »
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