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Hi there!

I can help you understand if you're affected by the 2015 Remedy (McCloud).

OK. I just need to ask you a couple of questions. First up:

Were you a member of a public service pension scheme from 31 March 2012 through to 1 April 2015?

OK. I just need to ask you a couple of questions. First up:

Were you a member of a public service pension scheme from 31 March 2012 through to 1 April 2015?

Based on this response, you are unlikely to be affected by 2015 Remedy.

However, if you are in one of the following groups (Opt Outs, Career Break or New Fair Deal) you may still be affected.  This is currently being looked at and further information will be shared with you as soon as possible.

There’s nothing you need to do and nobody you need to inform right now.

Is there anything else I can help with today?

Based on this response, it looks like you will be affected by 2015 Remedy.

Don’t worry, there’s nothing you need to do right now and we’ll contact you when you need to make a decision based on your circumstances.

I’ll ask you one more question to help you understand what will happen next.

Which of these best describes your current status?

We’ll contact you after October 2023.

We’ll offer you the choice between your legacy benefits (PCSPS) or alpha benefits for your service between April 2015 and April 2022.

For now: there’s nothing you need to do, and nobody you need to inform.

We can’t tell you what your benefits will look like under both schemes right now.

However, we will ensure you have that information available in plenty of time, when it is time to make your choice.

Is there anything else I can help you with today?

If you’re retiring or partially retiring before October 2023 your benefits will be calculated as normal, as the Remedy won't have been implemented yet.

You will then get a choice on your benefits from 2015-2022, after October 2023, when the Remedy is implemented.

If you retire after October 2023, we will be able to provide you with your pension calculations based on both your legacy (PCSPS) and alpha benefits and at that point you can make a final choice for your service between 2015-2022.

For now: there’s nothing you need to do, and nobody you need to inform.

We can’t tell you what your benefits will look like under both schemes right now. However, we will ensure you have that information available, when it is time to make your choice.

Is there anything else I can help you with today?

When it’s time for you to retire, we’ll offer you a choice between the legacy schemes (Classic, Classic Plus, Premium or Nuvos) and reformed scheme benefits for any service between April 2015 to April 2022.

For now: there’s nothing you need to do, and nobody you need to inform.

We can’t tell you what your benefits will look like under both schemes right now.

However, we will ensure you have that information available in plenty of time, when it is time to make your choice.

Is there anything else I can help you with today?

The best place to start if you’re looking to learn more about 2015 Remedy is the Hub we’ve created on the Civil Service Pension Scheme website.

You can access the Remedy Hub here.

What would you like to do now?

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Thanks for your time!

Happy to help! Here’s a brief summary:

In 2015, the Government made changes to public service pensions. Some rules were implemented that defined if and when members would move into the new alpha pension scheme. This treatment of members was later found by the Court of Appeal to be discriminatory based on age.

From 1 April 2022, all current members will be moved into alpha. After October 2023, public service workers within scope of the 2015 Remedy, will be offered a choice at retirement as to which benefits they would prefer to receive for any service during the period April 2015 to April 2022.

What would you like to know next?

The best place to start if you’re looking to learn more about 2015 Remedy is the Hub we’ve created on the Civil Service Pension Scheme website.

You can access the Remedy hub here.

Is there anything else I can help you with today?

If you’ve worked in one of these areas and have been part of the pension scheme provided by your employer, then it’s likely you’ve been a member of a public service pension scheme:

  • The Civil Service
  • The Judiciary
  • Local Government
  • Teachers
  • National Health Service
  • Fire and Rescue Service
  • Police Forces
  • Armed Forces

If you’re fully retiring before October 2023 your benefits will be calculated as normal, as the Remedy won't have been implemented yet.

You will then get a choice on your benefits from 2015-2022, after October 2023, when the Remedy is implemented.

If you retire after October 2023, we will be able to provide you with your pension calculations based on both your legacy (PCSPS) and alpha benefits and at that point you can make a final choice for your service between 2015-2022.

For now: there’s nothing you need to do, and nobody you need to inform.

We can’t tell you what your benefits will look like under both schemes right now. However, we will ensure you have that information available, when it is time to make your choice. In the meantime, the Government Actuary Department Remedy Benefits Illustrator (beta) can give you an approximate comparison.

Is there anything else I can help you with today?

If you’re partially retiring before October 2023 your benefits will be calculated as normal, as the Remedy won't have been implemented yet.

You will then get a choice on your benefits from 2015-2022, after October 2023, when the Remedy is implemented.

If you retire after October 2023, we will be able to provide you with your pension calculations based on both your legacy (PCSPS) and alpha benefits and at that point you can make a final choice for your service between 2015-2022.

For now: there’s nothing you need to do, and nobody you need to inform.

We can't tell you what your benefits will look like under both schemes right now. However, we will ensure you have that information available, when it is time to make your choice.

Is there anything else I can help you with today?