Read all our updates on McCloud  – find out more


McCloud Sitrep

Here is the current situation on the McCloud Remedy

Armed Forces personnel who were in service both on or before 31 March 2012 and on or after 1 April 2015 will have the option when they leave service to decide retrospectively to be a member of AFPS 15 or their legacy pension scheme for the remedy period (1 April 2015 – 31 March 2022).  The Government’s decision to pursue the Deferred Choice Underpin (DCU) option to address the age discrimination ruling will allow individuals to make an informed decision based on known and actual pension benefits. All serving personnel will be transferred to AFPS15 on 1 April 2022 at which point all legacy schemes will close.

On the premise that most people will likely opt to be in their legacy scheme for the remedy period, legislation has been introduced to return all affected personnel back to their legacy pension schemes by October 2023. Benefit Information Statements and Veterans UK pension forecasts will reflect the reversion to the legacy schemes for the remedy period, once the MOD’s automated processes have been updated towards the end of next year.

Unfortunately, neither Veterans UK nor ourselves are yet in a position to be able to provide ”McCloud choice comparative figures”. The MOD and Veterans UK are developing the tools to enable this, and we understand that the MOD online calculator will be adapted for this purpose in early 2022.

To implement the McCloud remedy, we believe there will be a process that begins with personnel affected by the issue receiving a communication from MOD/Veterans UK; our understanding is that individuals will be contacted sometime after 1st April 2022, though it is not known how long after this date it will be before individuals receive correspondence.  It is understood that veterans and personnel leaving the Armed Forces imminently will be prioritised. If you retire from the military prior to being able to make the decision as to which Scheme you wish to be a member of for the remedy period, your pension will be adjusted subsequently (once you have been asked to make the decision) and retrospective payment action will be taken.

In the meantime, we are asking all our members to “stand easy” until they receive the initial communication from MOD/Veterans UK, as it is not until you have this that we will be able to provide individual guidance.

Meanwhile have made a presentation to the MOD Armed Forces Pension Board setting out three key criteria against which we will judge the success of the implementation of the remedy.

  1. everyone affected by the remedy will be given sufficient time and information for them to make a fully informed decision; 
  2. for serving personnel, timely and appropriate enhancements to the AFPS pension calculator will be made to help individuals forecast their likely benefits;
  3. those affected by the remedy who have so called ‘complicating factors’ including Pension Sharing Orders, Medical Discharge, Abatement, Death in Service or in Retirement, AVCs/Added Pension and Pension Taxation (Annual Allowance, Lifetime Allowance) should  be able to access further information and guidance from the pension administrator, Veterans’ UK 

This initiative is in line with the Society’s practice of holding governments to account on behalf of our Members and the wider Armed Forces Community.

We will of course, continue to refresh the Members area of our website with new reference information and guidance for our Members as it becomes available, including updating our McCloud FAQS and our McCloud Remedy Timeline

You can read our entire McCloud news archive here

We use cookies to ensure you get the best experience on our website. To find out more read our Cookies Policy.