Check to see whether the McCloud Remedy applies to you:

Does McCloud affect me?

This is a quick check to see whether the Remedy applies to you.

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What is ‘the choice’ I have to make as part of the Remedy?

On 1st October 2023, MPS automatically placed all retired police officers affected by the McCloud Pension Remedy back into their old pension schemes for the period 1st April 2015 – 31st March 2022.

  • You will need to make a choice about whether to remain in your old scheme (PPS 87/NPPS 06) or to move back into the new (PPS 15) scheme for the years between 2015 and 2022. This is called ‘Immediate Choice (IC).
  • Note: Going ‘back’ into your old scheme might mean your contributions (that’s money you paid in) and your tax position for these years will change.

When do I have to make my choice?

  • You will receive your Remedy Pack between 1st October 2023 – 31st March 2025.
  • As soon as you receive your ‘Remedy Pack’ you have up to 12 months to make your choice.
  • Retired Officers are being prioritised, so we are currently working on the detailed calculations you will need to make the right decision for you.
  • You won’t all receive your Remedy Packs on 1st October 2023. It will take 18 months to get to everyone. This is to ensure that the pension calculations that you receive are 100% correct.

What do I need to do?

  • Nothing at the moment. Wait to receive your Remedy Pack.

If you retired before 2015, you do not need to do anything and your pension will not be affected.

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