NHS Pension Scheme: McCloud Implementation

On 11 December 2025, I issued a written statement on the implementation of the McCloud remedy for affected NHS pension scheme members. I updated on progress in planning for the delivery of the remedy and reaffirmed my commitment to deliver the remedy to the coalition Government’s discrimination. I also committed to keeping the House informed of progress.

The NHS Business Services Authority has now developed and aligned its plans for the delivery of the McCloud remedy. An independent review, led by Lisa Tennant, has considered those plans and the NHSBSA’s capacity, capability and functions to deliver the remedy. Lisa Tennant is now preparing a final report, which I intend to publish in due course.

The independent review has found that significant progress has been made in the NHSBSA’s planning for the remedy, including the comprehensive analysis of steps that will need to be taken to provide each individual member with their remedy choice and to enact it. Given the level of complexities in the membership of the NHS pension scheme, this has been a substantial undertaking. The review also highlights a number of dependencies that are critical to delivering the remedy. These include:

Procuring external suppliers to bolster NHSBSA’s capacity to manually calculate remediable service statements for some members;

The release of software to automate statements as far as possible, enabling future retirees to make their remedy choice at the point of retirement, and to further automate calculations for members who are already retired.

I remain committed to setting deadlines that prioritise the delivery of the remedy to members who are likely to be facing financial detriment as a consequence of the discrimination identified by the McCloud judgment. The deadlines must be realistic and achievable. They must also ensure that the scheme’s ongoing performance is maintained and protected alongside the delivery of the remedy. I expect these dependencies will have advanced sufficiently, or been appropriately mitigated, to enable me to issue new statutory deadlines with confidence before summer recess.

Subject to the dependencies outlined above, the NHSBSA’s plans currently forecast that:

Retired members whose remedy period 1 April 2015 to 31 March 2022 benefits are still affected by the discrimination identified by the McCloud judgment—in that some or all of the accrual for that period is 2015 scheme accrual—should receive their remedy choice by the end of December 2027;

Retired members whose remedy period benefits are no longer affected by this discrimination—in that all of their accrual for the period is 1995 to 2008 scheme accrual—should receive their remedy choice by the end of June 2030;

All active and deferred members who are due a remedial pension saving statement should have received this by the end of March 2027.

I have asked the NHSBSA to take steps to communicate to members when they can expect to receive their remedy choice, and which deadlines, when issued, will apply to them.

The NHSBSA continues to issue remediable service statements and remedial pension saving statements in line with its delivery plans. To date, 10,462 remediable service statements have been issued to retired members who are most likely to be facing financial detriment. Of those, 5,804 have been returned and 5,368 decisions have been enacted. A further 11,457 have been calculated and are scheduled to be issued in alignment with the NHSBSA’s delivery plan. In addition, a remediable pension savings statement has been issued to 121,824 members, and 19,952 are outstanding.

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