What is the McCloud Remedy? The McCloud Remedy addresses age discrimination introduced during the 2015 reforms to the NHS Pension Scheme.
These changes moved many members to the 2015 scheme while allowing older staff to remain in the 1995/2008 schemes — which created unequal treatment. The McCloud judgment ruled this unfair. Now, affected members can retrospectively choose between the legacy and reformed schemes for the period 1 April 2015 to 31 March 2022.
This remedy ensures eligible NHS staff are not disadvantaged due to their age, and allows them to select whichever scheme provides the most favorable pension outcome for that period.
At Wealth Genius, our McCloud Remedy Advice service is designed to help NHS professionals understand how these pension changes may affect retirement planning, Annual Allowance calculations, tax positions, and future pension outcomes.
As a trusted McCloud Remedy Adviser in UK, we provide structured support to help doctors, GPs, consultants, and NHS professionals navigate increasingly complex pension decisions with clarity and confidence.
Continuing pension accrual in the 2015 pension scheme for all members
All members returned to the legacy scheme (1995/2008) who have been impacted by the McCloud Remedy legislation
Member chooses preferred scheme for the Remedy period (2015-2022)
Final Salary Link (Officer) & Dynamisation (GPs) for existing 95/08 benefits remain in place, subject to scheme rules.
Annual Allowance calculations covering remedy period (1/4/2015 – 31/3/2022) will need to be reviewed.
Member will be given choice to keep remedy period benefits in legacy scheme, or take reformed scheme benefits.
The NHS McCloud Remedy may also impact pension tax calculations, retirement income planning, Scheme Pays elections, and future pension contribution strategies.
Our McCloud Pension Guidance service helps healthcare professionals better understand how these retrospective changes may interact with wider financial planning decisions.
Our McCloud Pension Advice process focuses on simplifying pension complexities into clear and understandable guidance tailored to your individual circumstances.
We also provide McCloud remedy for doctors & Gps who may have additional pension complexities linked to private practice earnings, variable NHS income structures, and Annual Allowance concerns.
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Government will account for all remedy period
(Compensation: 2015/16 to 2018/19, Refund:
2019/20 to 2021/22)
HMRC will collect for 4 full years previous
(Only pay any underpaid charges from 2019/20
onwards)
Available for new charges & old scheme pays elections can be adjusted
(2019/20 AA
Compensation Scheme only applies in England & Wales)
The McCloud Remedy may affect Annual Allowance positions, historic pension tax calculations, and retirement financial planning outcomes.
Our McCloud Pension Guidance UK support helps clients better understand potential tax implications, pension recalculations, and HMRC reporting responsibilities.
You may be affected by the McCloud Remedy if you meet any of the following criteria:
If these apply, the remedy gives you the right to retrospectively choose which scheme — the Legacy scheme or the Reformed (2015) scheme — applies to your service between 1 April 2015 and 31 March 2022.
This choice allows you to select the option that provides the better long-term outcome for your financial and retirement goals.
Understanding your NHS McCloud Remedy position early can help support more informed retirement planning, pension tax planning, and long-term financial decision-making.
When your Remediable Pension Savings Statement (RPSS) arrives, it outlines how your pension growth has changed following the McCloud rollback — and starts your three-month HMRC reporting deadline.
Our McCloud Remedy Advice service helps clients understand the figures contained within their RPSS and what actions may be required next.
Register through our portal and upload your RPSS. We'll also request your historic tax data directly from HMRC, so you don't need to dig through old returns.
This process is designed to simplify administration and support accurate McCloud Pension Guidance throughout the reporting process.
Our team will:
This ensures absolute accuracy and protects you from costly mistakes.
As part of our McCloud Pension Advice process, we also review how pension changes may affect wider retirement and tax planning considerations.
We compile everything you need to meet your HMRC obligations on time. And because our fees are covered by the official cost claim-back scheme, there is no cost to you in practice.
Our structured support process is designed to help healthcare professionals manage HMRC reporting requirements with greater clarity and confidence.
This service gives you analytical and administrative support.
It is not regulated
financial advice.
It is important to remember:We strongly encourage affected NHS professionals to review their McCloud Pension Remedy position promptly to avoid unnecessary delays or missed reporting deadlines.
Whether you are reviewing an RPSS statement, concerned about Annual Allowance exposure, or seeking clarity around pension changes, Wealth Genius is here to provide practical and structured guidance tailored to your circumstances.
📞 Book a consultation today or call us on 07919 101 221 and discover how personalised McCloud Remedy planning can support your long-term financial confidence.
The NHS McCloud Remedy is a pension correction process introduced following legal findings related to age discrimination within the 2015 NHS Pension Scheme reforms.
Professional McCloud Pension Advice can help healthcare professionals better understand pension recalculations, Annual Allowance impacts, tax implications, and retirement planning considerations.
Doctors, GPs, consultants, and NHS staff who were members of the NHS Pension Scheme before 1 April 2012 and remained active members after 1 April 2015 may be affected.
A McCloud Remedy Adviser in UK helps NHS professionals understand pension changes, RPSS statements, Annual Allowance positions, and retirement planning considerations linked to the McCloud Remedy.
A Remediable Pension Savings Statement (RPSS) outlines revised pension growth calculations and potential Annual Allowance adjustments linked to the McCloud Pension Remedy period.
Doctors and GPs may have additional pension complexities linked to private practice income, NHS sessions, pension growth, and taxation exposure.
Yes. Pension recalculations linked to the McCloud Remedy may affect Annual Allowance positions, tax liabilities, compensation claims, and Scheme Pays elections.
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