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  • 2015 Remedy (McCloud) Pension Scams

    Topics:
    • Working in the Northern Ireland Civil Service, 
    • Civil Service Pensions (NI), 
    • Recent news for NICS Pension Schemes Members

    We’ve been notified that 3rd party organisations are contacting members of public pension schemes, such as ours, selling their help in claiming the 2015 Remedy (McCloud) benefits.

    Please note:

    You do not need to go through a third party to claim these benefits. The Northern Ireland Civil Service Pension Scheme will not request a fee for providing this information.

    This is a reminder to please stay vigilant. We would encourage all members to visit our Pension Fraud webpage which offers helpful guidance on how to identify and avoid these pension scams. If you're still unsure or have any concerns, please contact us for clarification.

    What 2015 Remedy (McCloud) communications to expect from Northern Ireland Civil Service Pensions

    If you’re already receiving your pension benefits or retire before October 2023, you'll be asked to make a choice about which pension benefits, for the Remedy period (01/04/2015 - 31/03/2022), are best for you. At some point between October 2023 and March 2025 you'll receive an illustration of your pension benefits, and be asked to make that choice retrospectively. Otherwise, as you near retirement, your Remedy-period illustration and choice will be included in your retirement options documentation.

    Annual Benefit Statements issued in 2024 will also include an illustration of the Remedy-period benefits based on your legacy or alpha scheme.

    Not sure if you are affected by 2015 Remedy (McCloud)?

    Not all members will be affected. To help you establish if you are impacted by the 2015 Remedy we have created an 'Am I affected?' tool. After answering a few simple questions the tool will give you an indication of whether you’re likely to be offered a choice under the 2015 Remedy when you take your pension benefits.

    Related content

    • 2021 - Employer Pension Notices
    • 2022 - Employer Pension Notices
    • 2023 - Employer Pension Notices
    • Annual Benefit Statements - FAQs
    • Associated Scheme Rules
    • Background Information - 2015 Remedy (McCloud)
    • Civil Service Pension (NI) Complaints and appeals procedures
    • Civil Service Pensions (NI) Digital Newsletter - Issue 1 - February 2023
    • Civil Service Pensions (NI) Digital Newsletter - Issue 2 - May 2023
    • Civil Service Pensions (NI) Digital Newsletter - Issue 3 - September 2023
    • Civil Service Pensions (NI) Digital Newsletter - Issue 4 - February 2024
    • Civil Service Pensions (NI) Digital Newsletter - Issue 5 - March 2025
    • Civil Service Pensions (NI) Privacy Policy Overview
    • Distribution of Immediate Choice Remediable Service Statements (RSS)
    • Employer Pension Notices
    • EPA (Effective Pension Age)
    • Ill-Health Retirement
    • Ill-Health Retirement - Members affected by Remedy
    • Immediate Choice Remediable Service Statement (RSS) Frequently Asked Questions (FAQs)
    • Key Remedy Dates and Jargon Buster
    • McCloud Judgment and 2015 Remedy
    • McCloud Judgment and Remedy FAQs - Timings and Next Steps
    • Northern Ireland Civil Service Pension Board (NICSPB)
    • Northern Ireland Civil Service Scheme Advisory Board (NICSSAB)
    • Partial Retirement
    • Remedy Scheme Pays
    • Retirement Quotes after September 2023
    • Second Phase of 2015 Remedy (McCloud) – Immediate Choice Remediable Service Statements
    • Suspension of Cash Equivalent Transfer Values (CETV) calculations
    • The Department of Finance Directions
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