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McCloud Update: 2015 Remedy Consultation and Armed Forces Pension Calculator

The MoD has asked us to publicise the following latest information on the McCloud remedy to our readership:

‘A friendly reminder that the MOD public consultation is still open until 29th May 2023 and views are encouraged from affected Serving Personnel and Veterans. To read and respond to the consultation, you can find it here. If you were serving in the Armed Forces (and were a member of an Armed Forces Pension Scheme), on or before 31 March 2012 and on or after 1 April 2015, including those with a break in service of 5 years or less, you may be affected by the 2015 remedy ( previously known as McCloud).

The consultation provides an explanation of the remedy policies and the legislation which are required to be in place by 1 October 2023 to deliver the 2015 remedy. This includes rolling back all members in scope for the remedy to their relevant legacy pension schemes, for their service in the remedy period (1 April 2015 to 31 March 2022) and giving them a choice of benefits for that period. This will remove the past discrimination.

The MOD is planning to release a calculator in August 2023 to provide active members an illustration of their pension entitlement and the impact the remedy may have on their benefits. This is still subject to policy being finalised. Everyone who is in scope for remedy will be provided with a Remediable Service Statement within 18 months of the implementation date (1 Oct 2023).

Please note the calculator is for illustrative purposes and should not be used as financial advice or for retirement planning. If you are due to retire before 1 October 2023, you should plan to do so based on your current benefits.  Those who wish to receive financial advice on their pension should contact an independent advisor. For more information on the 2015 remedy, please visit 2015 Remedy on Defence Connect Page, Defnet and Gov.uk. If you have any general queries, please contact people-afpension-mccloud@mod.gov.uk. Please note, this should not be used to ask for financial advice, to request access to personal information or for pension forecasts as we will be unable to provide that detail.’