The McCloud judgment and your LGPS pension: member factsheet

McCloud update:

On 8 September 2023, the Government laid the McCloud regulations and responded to the latest consultation on how LGPS Funds are to action certain pension processes. Due to the late response, and the fact that we are still waiting further statutory guidance, there may be a delay in processing and calculating certain scheme benefits, which under the new regulations must include the underpin (if you are a qualifying member) from 1st October 2023.

You may qualify for underpin protection if you were an active member of the LGPS on or before 1 April 2012 and still active between 1 April 2014 and 31 March 2022, as long as you did not have a 5 year disqualifying break.

What action do you need to take?

You don’t need to do anything. If you do qualify for underpin protection, we will work out if an additional sum is due to be paid to you when calculating your pension benefits and this will be paid when you take your pension. You do not need to do anything we will write to you in due course.

NEW dedicated areas on the LGPS member website for the McCloud remedy

The Local Government Association (LGA) have created new areas on their member websites dedicated to the McCloud remedy. The new areas includes:

  • A short video
  • FAQs
  • An interactive Am I affected? Tool
  • Examples of how members may be affected
  • More detailed information about the remedy will affect different types of member

The resources can be found in the following location: LGPS McCloud remedy

LGPS McCloud factsheet

The Department for Levelling Up, Housing and Communities (DLUHC) has published a member factsheet - The McCloud judgment and your LGPS pension - that summarises the McCloud judgment and changes the Government are making to the Local Government Pension Scheme (LGPS) in England and Wales. A Link to the factsheet is below:

PDF iconLGPS McCloud factsheet

The DLUHC factsheet sets out how the changes may affect you if:

  • you were paying into the LGPS or another public service pension scheme before 1 April 2012
  • you were also paying into the LGPS between 1 April 2014 and 31 March 2022
  • you have been a member of a public service pension scheme without a continuous break of more than 5 years

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