Which benefits apply to my 2015 to 2022 NHS service under the McCloud remedy?

Service between 1 April 2015 and 31 March 2022 was moved back into the 1995 or 2008 section from 1 October 2023. Affected members choose whether that service earns legacy benefits or 2015 scheme benefits. The choice is made from a Remediable Service Statement, which NHSBSA expects to send by the end of June 2030 at the latest.

How the benefits differ

1995 section: For a practitioner, 1.4% of revalued career earnings each year, revalued at 1.5% above the Pensions Increase figure. A lump sum of three times the pension is paid automatically. Normal pension age is 60.
2008 section: For a practitioner, 1.87% of revalued career earnings. There is no automatic lump sum. Normal pension age is 65.
2015 scheme: 1/54th of each year's earnings, revalued each 6 April at CPI plus 1.5%. There is no automatic lump sum. Normal pension age is your State Pension Age, or 65 if later.

NHSBSA member guidance and "NHS Pension Schemes: an overview". Checked 13 October 2026. 2026/27 rules. The Budget on 28 October 2026 can change them.

The choice and its timing

Retired members receive a Remediable Service Statement and have 12 months from the date of the letter to choose. With no reply, legacy benefits apply permanently for the remedy period.
Statements are forecast by the end of December 2027 for members still affected by the discrimination, and by the end of June 2030 for everyone else.
The comparison turns on when you plan to retire, the automatic lump sum, and the annual allowance position for 2015 to 2022.

NHSBSA, Remediable Service Statements and "When you'll make your remedy choice" (updated after the ministerial statement of 21 May 2026). Checked 13 October 2026. 2026/27 rules. The Budget on 28 October 2026 can change them.

The annual allowance for 2019/20 to 2021/22

Moving service back into the legacy section changes the pension growth in those years, so NHSBSA sends a revised annual allowance statement. A revised charge, or a refund of one already paid, goes through HMRC's Calculate your public service pension adjustment service and covers 2019/20 to 2021/22.

Members who were already retired on 1 October 2023 have until 31 January 2027 to report through that service, and until 6 July 2027 to elect scheme pays for a revised charge.

A retired member who does not reply to their Remediable Service Statement within 12 months keeps 1995 or 2008 benefits for the remedy period.

Where this fits

We can set the legacy and 2015 scheme benefits side by side from your statement.

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The advisers for this subject

Sunny Bharj

Independent Financial Adviser

Tony Springer

Independent Financial Adviser

Advising through Equity & General Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority. Check the firm on the FCA register under number 474163.