McCloud Remedy

PNorth

I joined the NHS pension scheme in 2003 and left the service in 2022. So a large proportion of my pension is affected by the McCloud Remedy. I am now 60 and was hoping to take my pension this year, so I need a comparison between the standard pension and the remedy. I have been in contact with the NHS Pension, but with no success as to a date for the requested information. Does anyone know how long this might take, and if delayed will the payments be back dated. Is there a way of getting some useful response from the NHS, as nothing seems to have worked so far.

Lowtrawler

PNorth said:

I joined the NHS pension scheme in 2003 and left the service in 2022. So a large proportion of my pension is affected by the McCloud Remedy. I am now 60 and was hoping to take my pension this year, so I need a comparison between the standard pension and the remedy. I have been in contact with the NHS Pension, but with no success as to a date for the requested information. Does anyone know how long this might take, and if delayed will the payments be back dated. Is there a way of getting some useful response from the NHS, as nothing seems to have worked so far.

You should definitely take your 1995 pension from your 60th birthday. There is no benefit from delaying and you will simply lose money you would be entitled to as there is no backdating. As you say you are already 60, you are currently losing money and so should apply asap.

By the time you do this, it is likely they will be able to provide you with the McCloud options. However, if they cannot, their default is to pay your pension as if all your service to 31 March 2022 is included in the 1995 scheme. Note: I'm ignoring the 2008 scheme and it could be different if you have any service in that scheme. When the McCloud calculations are provided, you will get a chance to change the choice.

They are not replying to individual McCloud queries unless you have already received the McCloud correspondence.