McCloud and the Local Government Pension Scheme
Who the McCloud remedy may affect in the LGPS in England and Wales, and why there is no choice to make: the final salary underpin is extended automatically.
36 s · Captions · Official sources checked 30 September 2026 · Published
Transcript
If you were in a public service pension scheme before April 2012, and in the LGPS between April 2014 and March 2022, the McCloud remedy may affect you. That's the period in England and Wales.
In local government, there's no choice: the final salary underpin is extended automatically. You don't need to do anything, and most members are unlikely to see an increase.
To see whether McCloud and the annual allowance could affect you, start with Remedy's free check at remedy.tax.