McCloud Age Discrimination review/ Remedy
When the Police Pension Scheme 2015 was introduced, some members of the previous police pension schemes who were closest to their normal pension age were given 'protection' and remained in their legacy scheme after April 2015. After a legal challenge (the McCloud case), the courts determined that these protections were age discriminatory.
Find out about the McCloud Case and the Remedy
We have recently issued most active and deferred members affected by the McCloud/Sargeant remedy with their first RSS-ABS. This document sets out the current value of your benefits and your choices under the McCloud/Sargeant remedy.
We are working to produce statements for those officers who have not yet received one by the end of September. If you haven't received your statement by 30 September, please email the police and fire team ([email protected]).
You do not need to make your remedy decision now and can instead wait until you take your Police pension. We will send you an RSS-ABS showing the current value of both options every year until you retire.
If you want to make a decision now, please complete the McCloud Remedy Choice form. This decision is irrevocable. Any contributions due will be deducted from your pension benefits at retirement together with interest calculated to that date.
However you can choose to receive a refund of contributions (2006 member) or payment of contributions due (1987 member) now, without this committing you to your final decision on remedy. if at a later date (up until retirement) you change your mind on your decision to pay or receive contributions, the amount plus interest will be recalculated and can be taken from your pension benefits.
- If you are due a refund of contributions (2006 member) then please complete the NPCC Contribution adjustment - compensation payment form
- If you owe contributions and want to make payment (1987 member) then please email the police and fire team ([email protected]). Due to a change in the way in which tax is applied since the statements were produced, the contributions shown on your statement will need to be revised. Following receipt of your request to pay contributions via email, the team will send a letter with the revised amounts and details of how to make the payment.
If the contributions shown on your statement look incorrect (particularly if you work or have worked part time) or if you have a query on the statement then please email the police and fire team ([email protected]) so that we can investigate and provide a revised statement if required.
You may also find the following leaflets from the National Police Chiefs' Council (NPPC) helpful:
McCloud Age Discrimination review and Annual allowance
Usually we send details of pension savings to all members likely to be affected by an annual allowance charge, by 6 October each year. However, this year, if you are affected by the age discrimination Remedy then you will not receive a pensions saving statement for the year 2022/23 by October.
Due to the Remedy the deadline for affected members to receive a pension savings statement for the year 2022/23 has been moved to 6 October 2024, with the deadline for scheme pays as 6 July 2025.
McCloud Age Discrimination scams
We have become aware that third party organisations are contacting members of public service pension schemes, such as the Police Pension Scheme, 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 to provide you with your remedial service statement to allow you to make your remedy option.
Please remember to stay vigilant. If you are unsure or have any concerns over a potential scam, please contact us for clarification.
Further Information
- Message from Chief Finance Officer - Police Pension Changes 2022 (May 2022)
- Police Pension Remedy Key Messages and FAQs (March 2022)
- HMT response to age discrimination (Updated July 2021)
- Public Service Pension Schemes Consultation (Updated July 2021)
- Home Office FAQs (August 2021)
- Explanatory Notes (July 2021)
Please see our news page for the latest updates.