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The McCloud Remedy

What is the McCloud Remedy?

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McCloud Remedy Video Transcription (174 KB, PDF)

When public service pension schemes were reformed in 2015 older members were protected from the changes. In 2018, the Courts found that younger members of the Judges’ and Firefighters’ pension schemes had been discriminated against as the changes did not apply to them. The changes made to the Scheme from 1 October 2023 are called the McCloud Remedy and remove the discrimination found in the McCloud court case. These changes are backdated to 1 April 2015.

In the LGPS (NI) when a protected member retires, their pension in the career average pension scheme built up over the underpin period is compared with the pension that they would have built up in the final salary scheme, had it continued. If the final salary pension would have been higher, their pension was increased.  This is known as the ‘statutory underpin’. The underpin period is from 1 April 2015 to 31 March 2022.

Since 1 October 2023, eligible younger members are also retrospectively protected by the underpin. This does not apply to all members.

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