McCloud Age Discrimination Case

What is it?

When public sector pension schemes changed from final salary to career average in 2014 and 2015, older members were offered protection from the effect of the changes. However, in 2018, the Courts found that younger members had been discriminated against because these protections did not apply to them. 

The LGPS regulations changed on 1 October 2023 to remove this age discrimination. This is called the McCloud Remedy.

Hampshire Pension Services will automatically contact everyone who is affected by the Remedy. You do not have to do anything. We have many cases to deal with so it will take a while to contact affected members. Your 2025 annual benefit statement will contain information on the Remedy. 

Where can I find more information?

The LGPS website gives a good explanation and has a frequently asked questions page:  LGPS (E&W) McCloud remedy (2023)
Or you can read our leaflet: LGPS McCloud Remedy Factsheet

A member factsheet was published in 2023 by the Department of Levelling Up, Housing and Communities (DLUHC) - now renamed as the Ministry of Housing, Communities & Local Government (MHCLG).

And their consultation response can be found at: Amendments to the Local Government Pension Scheme statutory underpin: government response- Gov.UK (www.gov.uk) (2023)

McCloud Age Discrimination scams

We have become aware that third party organisations are contacting members of public service pension schemes, such as the LGPS, selling their help in claiming the 2015 Remedy (McCloud) benefits.

Hampshire Pension Services, will not request a fee for providing this information. You do not need to go through a third party to claim these benefits and we will contact you in due course if you are affected by the Remedy.

Please remember to stay vigilant. If you are unsure or have any concerns over a potential scam, please contact us for clarification.

Pensions Ombudsman

The Pensions Ombudsman has produced a factsheet to clarify their approach to complaints relating to the McCloud Case, see: Pensions Ombudsman McCloud fact sheet - July 2022.