What is the age discrimination remedy (McCloud)?

When the government reformed public sector pension schemes in 2014-15, the regulations included protections for some members who were within 10 years of retirement.

In 2018, at the Court of Appeal, these protections were found to be age discriminatory. Following the cases of McCloud and Sargeant (from the Judges and Firefighters’ schemes), the Government is putting a remedy in place for this age discrimination. This will make sure that pension scheme members receive the best possible benefits from what they have accrued.

Firefighters

Click here

Police

Click here

Local Government

Click here

Local Government

2023 regulation change: click here

Remedy update: Police and Firefighter scheme members (6 May 2025)

Having sent out Remediable Service Statements (RSSs) to a significant majority of members affected by the age discrimination remedy (McCloud) ruling, LPPA has received a number of option forms from members who have chosen to make changes to their existing pension benefits. These forms are currently being reviewed. 
 
We know how important it is to resolve these requests quickly, but due to the complexity of the process it will take longer than normal to make these payment adjustments. Our priority is to make sure the final calculations are correct and that members receive their money as soon as possible.  
 
Our aim is to start processing these requests from July 2025 with additional interest included in the final payments to cover any delays. We will notify members when their benefit adjustments have been made and are ready to be paid. In the meantime, all existing pension benefits will continue to be paid as normal until requests have been processed

Members waiting to receive an RSS 
LPPA is continuing to produce RSSs for those members who did not receive their RSS by the 31 March 2025. This includes members who are impacted by outstanding or late national guidance (such as those with pension sharing orders), scheme pays cases, and cases where additional data checks are required.  
 
As well as producing outstanding RSSs and processing options forms, we are also now processing Matthews remedy requests for retired firefighters. Members who are impacted by the Matthews remedy are likely to have experienced delays, as their Matthews remedy must be completed before we can start their McCloud remedy.   
 
Financial advice 
As the scheme administrator, LPPA isn’t regulated to provide financial advice, but we encourage members to consider their options carefully and where appropriate, speak to an independent financial adviser. A list of financial advisers can be found at www.unbiased.co.uk 
 
Existing pension benefits 
All existing pension benefits will continue to be paid as normal until any remedy adjustments are made. We will notify members when the changes have been made and confirm the final payments, including any interest that may be due.   

Help Hub

Find all the support you need in one place

Visit Help Hub Help Hub

News Hub

Find all your pension related news in one place

Visit News Hub News Hub