Your NHS Pension McCloud Choice After Retirement

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A clear guide to your Remediable Service Statement, the choice it asks you to make, and what happens next.

Key points

If you retired on or before 1 October 2023 and built up NHS pension from April 2015 to March 2022, you have a choice.
Your Remediable Service Statement shows your pension worked out in two ways. You pick one.
Most retired members are still waiting. Current forecasts extend from December 2027 to June 2030.
You have 12 months from the date on the letter. Your choice cannot be undone.
Some members get back payments. Others may need to repay a small amount.

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For You

Which letter have you had?

Two NHS letters have confusingly similar names.

Remediable Service Statement

This goes to members who have already claimed their NHS pension. It asks you to choose your benefits for 2015 to 2022.

McCloud remedy

What the McCloud remedy means if you have already retired

In 2015, the Government moved most NHS staff into a new pension scheme. Older members could stay in the 1995 or 2008 Section. The courts found this age difference unlawful. The fix is called the McCloud remedy.

01 April 2015 – 31 March 2022

Retired couple reviewing their pension information

Only 7 years are affected – Service before and after these dates stays as it is.

Your whole pension is not being recalculated. In October 2023, the NHS moved those seven years back into your old 1995 or 2008 Section. This is likely to be what you are paid on today.
Government figures from March 2025 identified more than 300,000 NHS members who retired on or before 1 October 2023. They make this choice now rather than at retirement.

Are you affected?

You are likely to be in this group if all these apply:

You were in a public service pension scheme on or before 31 March 2012. It did not have to be the NHS.
You had no break from public service pension schemes of more than five years before that service.
You built up NHS pension between 1 April 2015 and 31 March 2022.
You claimed your NHS pension, or died, on or before 1 October 2023.

Letter and Options

What is in the letter, and what the options mean

Your pack contains a statement, a guide using your figures and a form to sign and return. It shows two calculations for 2015 to 2022.

Option A

1995 or 2008 Section benefits

Based on final salary. The 1995 Section has a separate tax-free lump sum. This option applies if you do not reply.

People discussing pension options together

Option B

2015 Scheme benefits

Based on average earnings across your career, with each year revalued.

Healthcare professionals reviewing information together

Statement

When will my statement arrive?

NHSBSA is working through cases by likely financial effect, not by retirement date.

Forecast -End of December 2027

Members whose affected pension is still on 2015 Scheme terms. Around 49,000 people may receive higher benefits.

Forecast - June 2030

The larger group whose 2015 to 2022 service moved back to the 1995 or 2008 Section in October 2023.

Decision

Your 12 months, and what happens if you do nothing

Your decision window

12 months

From the date printed on the statement.

If you do not reply, NHSBSA will normally set your 2015 to 2022 benefits to the 1995 or 2008 basis. A late election may be accepted, but you should not rely on it.
Your choice is irrevocable once accepted. You cannot change your mind. A choice reached by default is also final.
Figures are accurate on the letter date. They may change while you decide because interest continues to build.

Wealth Genius

Working with Wealth Genius

We are NHS pension specialists. It is the centre of what we do, not a sideline.

A clear next step

Talk your McCloud choice through
with a specialist

Call us, book a time that suits you, or ask us to visit you.