The McCloud remedy was written into LGPS regulations on 1 October 2023.
‘McCloud’ refers to a 2018 court judgment, which ruled that the protection given to older members of public service pension schemes, when they reformed to become Career Average Revalued Earnings (CARE) pension schemes, was discriminatory against younger members of these schemes.
Depending on your circumstances, you may qualify for an underpin which means some members may be entitled to an increase. However, not all members will qualify, and most of those who do qualify won’t get an increase. This is because, for most members, the pension they had in the CARE scheme is higher than they would’ve had, if the final salary scheme had continued beyond 2014.
For anyone who does qualify for an increase because of the McCloud remedy, you won’t need to do anything as it’s done automatically, and you’ll be notified where this is the case.
For more details about the ‘underpin’ or McCloud in general, please visit www.eapf.org.uk/member/mccloud-judgment
Join the LGPS McCloud remedy webinars
The LGPS has joined with Affinity Connect to develop McCloud webinars for both active and deferred Scheme members.
Webinar sessions will be held between 12 March to 30 May 2025 and are aimed at those members who are protected by the McCloud remedy and would like to learn more about how they might be affected. Much of the content could also be relevant to pensioner members.
The webinars will also provide an opportunity for members to gain a better understanding of how the LGPS works and the options open to them as a Scheme member.
See more details about the webinars and book your place by visiting www.lgpsmember.org/mccloud-remedy/mccloud-webinars/