McCloud | Pengage

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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Contingent Decisions, McCloud and the Opportunity to Revisit Pension Choices

McCloud, Uncategorized / Laura Bowler

The public sector pensions remedy (PSPR)—often referred to as McCloud;—has created a highly unusual and valuable opportunity for members of schemes such as the NHS Pension Scheme. For many, this represents a second chance to revisit decisions made during the Remedy Period (1 April 2015* to 31 March 2022) and, in some cases, significantly improve

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Closeup shot of the McCloud Falls in the United States of America

McCloud – NHS Pensions Compensation Scheme

McCloud / Laura Bowler

(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

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Services relating to the McCloud remedy

McCloud / Laura Bowler

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

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What is McCloud?

McCloud / Laura Bowler

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

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Bearded office worker with long hairs types on keyboard in office

McCloud and the Local Government Pension Scheme (LGPS)

LGPS, McCloud, Mid career financial planning, Pre-retirement planning / Nigel Heaton

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

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McCloud Remedy – Member Webinar

Case studies, McCloud / Nigel Heaton

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

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McCloud Remedy – Initial Insights

McCloud / Laura Bowler

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

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McCloud Mondays – a reminder of the key issues

McCloud / Nigel Heaton

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

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Senior Patient Getting Vaccinated Against Coronavirus Sitting In Medical Center

NHS Pensions

McCloud, NHS Pensions / Nigel Heaton

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

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