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Pensions made simple: The McCloud Remedy from Landscape on Vimeo.
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
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. Please note if you are due an addition, this is likely to be, in most cases, a relatively small amount. They will do this as soon as they can after 1 October 2023.
Historic dates and future dates to be aware of.
2025 annual benefit statements will include information about the McCloud remedy for protected members.
The LGPS rules changed for the McCloud remedy.
End of remedy period. Benefits protected between 2014-2022.
LGPS changed from a final salary scheme to a career average scheme.
If you were a member of the LGPS or another public service pension scheme before this date, you may qualify for underpin protection.
The McCloud Remedy - the basics .
Underpin protection works in different ways for different members. You can also see examples of how different members are affected .
What Happens if .