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The McCloud Remedy affects pension growth between 1 April 2015 and 31 March 2022. Errors or delays could result in unexpected tax charges or missed refund opportunities. We help you:

  • Confirm whether you’re affected by the McCloud Remedy NHS pension changes
  • Assess your Annual Allowance position
  • Submit required disclosures to HMRC
  • Reclaim up to £1,000 for accountancy fees and £500 for IFA support
  • Receive broader NHS pension and retirement advice

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Am I eligible for the McCloud Remedy?

The McCloud remedy affects NHS pension scheme members who: 

  • Were in service before 31 March 2012 and on or after 1 April 2015
  • Have taken pension benefits and retired since 1 April 2015
  • Are deferred members returning within five years

It applies to pension growth during the period 1 April 2015 to 31 March 2022, known as the remedy period.

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Why Azets for your McCloud Remedy support?

Dedicated medical and NHS sector specialists

Extensive experience with McCloud remedy tax advice and submissions

Proven track record of successful HMRC filings

Clear, professional and confidential service with integrated tax and financial planning expertise

 Avoid tax errors & missed deadlines

What is the McCloud Judgement?

The McCloud Judgement was a 2018 Court of Appeal ruling which found that transitional protections introduced during the 2014 and 2015 public service pension reforms were discriminatory.

The Government introduced the McCloud Remedy to correct this age discrimination across affected schemes, including the NHS Pension Scheme.

Members can choose whether they receive legacy or 2015 scheme benefits for the remedy period, with most making this decision at retirement. Those who have already retired may receive a personalised RPSS from NHS Pensions.

FAQS

What is a Remediable Pension Savings Statement?

An RPSS sets out your revised pension growth for the remedy period and helps determine your Annual Allowance position.

Can I reclaim professional fees?

Yes. Under the Government cost claim back scheme, eligible members can reclaim up to £1,000 for accountancy support and £500 for IFA advice.

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