Important Notice

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.  More information will be available on our website over the coming weeks.

Members Section

McCloud Eligibility Checker

McCloud Remedy Decision Tree – Are You Affected?

McCloud Remedy FAQ 2021

McCloud Remedy Myth Busting

McCloud Remedy Timeline

McCloud Remedy Factsheet

The McCloud Remedy & What It Means for HSC Pension Scheme Members

McCloud Ruling & Annual Allowance

HSC Pension Scheme McCloud Remedy Video

Deferred Choice Timings Paper Updated with Tax

HMRC Calculator

HSC Pension Scheme McCloud Remedy Modeller

You can use the modeller at to help illustrate the projected benefits you may receive at different retirement ages from both the legacy and reformed HSC Pension Schemes in Northern Ireland if you are affected by the McCloud Remedy

HMRC’s McCloud guidance and digital service are now live. Please see links to the different products below:

Employers Section

McCloud Remedy Employers Document

McCloud Remedy Summary