Use the tool below to find out if you are affected or you can see examples of how different members are affected.
You may be protected in the other public service pension scheme that you were a member of. The administrators of that scheme can tell you how your pension is affected. If you transferred that pension to the LGPS before 1 October 2023, your protection may also have transferred. It will take some time for your LGPS pension fund to get the information it needs to work out how you are affected.
The benefits you build up after the gap won't be protected. However, If you built up separate benefits before the gap (between 1 April 2014 and 31 March 2022), they will be protected if they are kept separate from the benefits you build up after the gap.
Your pension fund will work out whether the pension you built up in the remedy period would have been higher in the final salary scheme. If so you'll receive an addition to your existing pension.
If you take your pension after 1 October 2023, your pension fund will check whether the pension you built up in the remedy period would have been higher in the final salary scheme when you take your pension. If it would have been, you'll automatically receive an addition to your pension. Many members won't see an increase because the pension they built up in the career average scheme is higher than what they would have built up in the final salary scheme.
YOU ARE NOT AFFECTED
Disclaimer - This tool is not intended to cover every personal circumstance, nor does it confer any contractual or statuatory rights and is provided for information purposes only. In the event of any dispute over your pension benefits the appropriate legislation will prevail.
How different members are affected
Members protected by the McCloud remedy will be affected in different ways. The examples below give an idea of how you might be affected if you are an active, deferred or pensioner member.
You can find out more about how the McCloud remedy might affect you on the What happens if? page.
Mo: longer-term LGPS member
• Mo is an active member
• Employed in the library service since 2006
• Protected by the McCloud remedy
• Mo receives his annual benefit statement in August 2025
• It includes estimated underpin figures showing how his pension may be affected
• Mo does not have to do anything to get the protection.
• Claire joined the Firefighters’ Pension Scheme in 1995
• took her firefighters’ pension in 2015
• started a police civilian role in 2016 and joined the LGPS
• did not transfer her firefighters’ pension because it was already being paid
• Her pension fund contacts Claire in 2024 asking her about any other public service pension scheme membership
• Claire tells them about her firefighters’ pension so her pension fund knows that she is protected by the McCloud remedy.
Iain: public sector transfer
• Iain was a member of the civil service pension scheme from 1997 to 2022
• Up to 2015 he built up final salary benefits, and from 2015 he built up career average benefits
• joined the LGPS when he started a new job with his local council in 2022
• transferred his civil service pension to the LGPS.
• Iain’s LGPS pension fund contacts him in 2025
• They explain that the civil service transfer is now protected by the underpin
• Iain receives his annual benefit statement in August 2025
• It includes estimated underpin figures showing how his pension may be affected.
• Asha joined the LGPS in 2011 and left in 2019
• she has deferred benefits
• each year her pension fund sends her a statement showing her deferred benefits with cost of living increases
• The statement she gets in 2025 is different
• It confirms that she is protected by the McCloud remedy and includes provisional figures showing how her pension may be affected by the underpin.
• Owen joined the LGPS in 2010 when he started non-teaching job in a school
• He is protected by the underpin
• He left his job in 2024
• His LGPS pension fund sends him details of his deferred benefits
• The statement includes provisional figures showing how his pension may be affected by the underpin
• Owen re-joins the LGPS when he starts a non-teaching job in an academy
• His pension fund writes to him about joining his two periods of LGPS membership
• The letter explains how his decision may affect his pension and underpin protection.
Naomi: transferring member
• LGPS member 2009 – 2017
• Transferred LGPS pension to private sector pension in 2018
• Naomi’s LGPS pension fund contacts her in 2024
• They let her know that she is protected by the McCloud remedy
• They have checked the transfer value they paid to her new employer’s scheme
• The career average transfer value is higher than the final salary transfer value would have been
• The LGPS pension fund confirms that no extra transfer payment is due.
In these examples we only show the pension built up in the remedy period April 2014 to March 2022. The total LGPS pension for these members would be higher.
Martin: redundancy pension
• Martin joined the LGPS in 1987 when he started work in adult social care
• He was made redundant in 2017
• His pension was paid straight away because he was over age 55
• His pension was not reduced for early payment.
Martin is protected by the underpin. In 2024, his pension fund reviews the pension he built up in the remedy period:
• career average pension £1,400 a year
• final salary pension £1,200 a year
• The pension being paid to Martin is better than the pension he would have got if the final salary scheme had continued until 2017.
• Martin’s pension does not change.
• Amara joined the LGPS as an IT assistant in 2007
• promoted to a management job in 2021
• leaves at age 55 in 2024
Amara’s pension fund checks the pension she built up in the underpin period when she leaves:
• career average pension £5,700 a year
• final salary pension £5,300 a year
The career average pension is higher. Amara takes her pension straight away – reduced because it’s paid early:
• reduced career average pension £3,300 a year
• reduced final salary pension £3,400 a year
After the reductions, the final salary pension is higher. The difference of £100 a year is added to Amara’s pension.
• Rafiq joined the LGPS as a finance manager in 2003
• his pay reduced when he chose to take a lower graded post in 2015
• retires in 2024 at age 65
• his higher pay before he changed jobs is used to work out his final salary benefits.
Rafiq’s pension fund checks the pension he built up in the underpin period:
• reduced career average pension £6,300 a year
• final salary pension £6,500 a year
The final salary pension is higher. The difference of £200 a year is added to Rafiq’s pension.
Historic dates and future dates to be aware of.
What is the McCloud Remedy