Business Services Organisation
Following legislation coming into effect on 1st October 2023, HSC Pension Service, are working with our Software providers to ensure that we get our systems fully functional to implement the McCloud Legislation and regulations. We are working hard to ensure all the data, processes and systems are in place to allow us to provide you with information as soon as reasonably possible to make an informed choice and also updating our systems so we can offer members a choice to have their pension benefits for the remedy period paid from either their legacy scheme or CARE scheme as part of the normal retirement process. Members who have retired or are due to retire will be offered a retrospective choice, along with personalised information to help them make their choice. If a member chooses to keep their existing benefits, no changes will be needed. If a member chooses to receive different pension benefits for the remedy period, adjustments will be made to their pension payments accordingly. Any changes will be backdated to the date of retirement.
For now, there is nothing you need to do. We’ll contact all affected members, whether active or retired directly, in phases, when action needs to be taken.
Update: 19/03/2024
HSC Pension Service (HSCPS) have made progress in implementing the first stage of the McCloud Remedy by rolling affected members back into their legacy scheme i.e. 1995/2008 up until 31st March 2022. All active members will be moved to the 2015 CARE Scheme from 1st April 2022.
As a result pension calculations processed on or after 1st April 2024 will have benefits up to 31st March 2022 calculated under their legacy scheme i.e. 1995/2008. All benefits accrued from 1st April 2022 onwards will be calculated under the 2015 CARE Scheme. HSCPS will contact retirees at a later date with personalised information to assist in making their choice regarding their benefits for the remedy period (01/04/2015 – 31/03/2022).
If a member chooses to keep their existing benefits, no changes will be needed. If a member chooses to receive different pension benefits for the remedy period, adjustments will be made to their pension payments accordingly. Any changes will be backdated to the date of retirement.
Update: 10/12/2024
HSC Pension Service have been working through significant complexities to put in place the McCloud Remedy for affected members. To date we have made substantial progress towards implementing the remedy so affected members can make their choice with confidence.
From December 2024, members who apply for retirement will be offered their choice in the form of a Remediable Service Statement (RSS). The RSS will show Option A and Option B. You must only choose one option.
*There will be a small number of members with particularly complex pensions who may not receive their choice on retirement. We will contact these members at a later date.
**Please note: It takes HSCPS on average six months to fully process a retirement application, this should be considered in advance of your proposed retirement date. This can only be started once HSCPS has received all of the member’s information and their RSS choice. Please ensure all forms including your AW6 and RSS are fully completed (using our online Pension Commutation Calculator for members wanting to make a lump sum choice) before submitting, as any missing information will delay your pension.
**Members already retired will be contacted in due course.
Update: June 2025
HSC Pension Service are currently working extremely hard to fulfil all of our obligations in relation to the 2015 Remedy (McCloud). Since December 2024 all affected members applying for their Pension Benefits are provided with a Remediable Service Statement (RSS) prior to retirement (see section 1) to allow them to compare figures and make their choice before benefits are put into payment.
Providing the RSS for all those who retired during the period 1 April 2015 to 30 November 2024 is much more challenging due to the complexities involved. The legislative deadline for issuing
Choice options is 31 March 2025, however, there is discretion within the legislation for the deadline to be extended to a later date that the Scheme Manager considers reasonable in the case of
a particular member or a particular class of member.
HSC Pension Scheme has invoked this clause of the legislation and received authorisation to amend our timelines. Details of the new timelines are detailed below:
| Cohort/Category of Member | No of members in | Projected Completion |
| Ordinary Pensioners– formerly unprotected | 297 | 31/03/2026 |
| Ill Health Pensioners– formerly unprotected | 668 | 31/03/2026 |
| Deceased and Dependants– formerly unprotected | 229 | 31/03/2026 |
| Ordinary Pensioners – formerly protected | 8,824 | 30/06/2026 |
| Ill Health Pensioners– formerly protected | 429 | 30/06/2026 |
| Deceased and Dependants– formerly protected | 503 | 30/06/2026 |
| Ordinary Pensioners – formerly tapered | 1,165 | 31/12/2026 |
| Ill Health Pensioners – formerly tapered | 335 | 31/12/2026 |
| Deceased and Dependants – formerly tapered | 98 | 31/12/2026 |