Welcome to 2015 Remedy Hub
This information has been designed to help you make a choice about your pension benefits for the Remedy period.
In your scheme section you can find out about:
- What is 2015 Remedy
- What happens next
What is 2015 Remedy
On 1 April 2015 public sector pension schemes were reformed and the Career Average Revalued Earnings (CARE) pension scheme was introduced.
Most pension scheme members were moved from their legacy scheme (final salary) to the reformed (CARE) scheme, but some protections were put in place for members who were close to their retirement date. These protections meant that older members stayed in their pre-reform schemes.
The Court of Appeal found that this discriminated against younger scheme members. The government is removing this discrimination for the period between 1 April 2015 and 31 March 2022. This is known as the remedy period.
From 1 April 2022 all of our NHS, Teachers, Police and Fire members will become members of the 2015 pension scheme and the pre-reform schemes will be closed to any further pension build-up. Eligible members who choose to retire after 1 April 2022, will be entitled to both legacy and reformed scheme benefits.
Am I eligible
The purpose of 2015 Remedy is to put right the discrimination that was found against younger members of the final salary (Legacy) scheme when public sector pension schemes were reformed in 2015 and the Career Average Revalued Earnings (CARE) pension scheme was introduced.
This means that all those who are eligible will have a choice of which benefits to take from their legacy or reform (CARE) scheme for the remedy period between 1 April 2015 and 31 March 2022.
Who will be eligible for these changes
You will be eligible for the 2015 Remedy if you joined a public service pension scheme on or before 31 March 2012:
- and were still a member of the scheme on or after 1 April 2015, or;
- left the service after 31 March 2012 but returned within 5 years.
You will not be eligible if you:
- joined a public service pension scheme after 31 March 2012.
All eligible scheme members will need to make a decision about their pension benefits.
What happens next?
Your scheme hub has more information to help you make your choice.