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For members of the Local Government Pension Scheme in England and Wales

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The McCloud Remedy

What is it?

The LGPS rules changed from 1 October 2023. When public service pension schemes changed from final salary schemes to career average schemes in 2014 and 2015, older members were protected from the changes.

In 2018, the Courts found that younger members had been discriminated against because the protections did not apply to them.

The 2023 changes are called the McCloud remedy. They remove the age discrimination found in the McCloud court case.

Not all LGPS members are affected by the changes.

Learn more Find out if I’m affected

McCloud Remedy Explained (01:31)

Download transcript (PDF)

Fideos Cymraeg

You might be affected if:

You were a member of the LGPS or another public service pension scheme before 1 April 2012

You were a member of the LGPS between 1 April 2014 and 31 March 2022

You have not had a disqualifying gap

Find out if I’m affected

You do not need to do anything. These web pages explain more about the McCloud remedy and what it could mean for you.

What do I need to do?

You do not need to do anything. If you qualify for underpin protection, your pension fund will work out if an addition is due to be paid to you when you take your pension. If you have already retired, your pension fund will work out if you are due an addition to your existing pension.
They will do this as soon as they can
after 1 October 2023.

Key dates

Some important dates you should be aware of, you can find out more on our timeline page so you’ll always be up-to-date for extra peace of mind

  • Day: 2023

    1 October

    The LGPS rules changed for the McCloud remedy

  • Day: 2025

    31 August

    2025 annual benefit statements will include information about the McCloud remedy for protected members

  • When you take your pension, your pension fund will let you know how it is affected by the McCloud remedy

Find out more about key dates

Have a question?

Take a look at the McCloud FAQ page or contact your fund directly.

Read our FAQs Contact your fund

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