Paying into a pension
If you’re eligible for 2015 Remedy and still paying into a pension, you’ll be asked to make a Remedy choice when you apply to retire.
Asking you to make this choice when you retire means you’ll know exactly what you’re entitled to under each option, making it easier to make the right decision for you.
When to expect your Remedy choice
When you apply to retire, we’ll offer you a choice between legacy scheme (final salary) and reformed scheme (CARE) benefits for the pension you built up between 1 April 2015 and 31 March 2022. This is called the remedy period.
To help you decide, we’ll send you a choice letter, known as a Remediable Service Statement (RSS). This will show your pension benefits side-by-side in the final salary and CARE scheme for the remedy period, to help you decide which option is the right one for you.
Annual Benefit Statements
If you are eligible for 2015 Remedy, your Annual Benefit Statement (ABS) will look a little different from now on. It will be combined with a Remediable Service Statement (RSS) so that you can keep track of benefits in the alternative scheme. This statement is called an ABS-RSS. If you are not already, sign up to MSS to access your ABS-RSS when it is available.
Contributions and Remedy
From 1 October 2023, eligible members who contributed to the 2015 Care Scheme between the 1 April 2015 – 31 March 2022 (the remedy period) are being moved back to their Legacy Scheme for this pensionable period. This action is taking place to enable members to make a choice for the remedy period.
During the remedy period, you will have paid contributions at the 2015 Care Scheme rates. By moving members back to their legacy scheme for this period, you will either owe or be owed the difference in contributions due.
We are working with the Scottish Fire and Rescue Service and partners on a process for repaying underpaid contributions and claiming back owed contributions.
Annual Allowance
For information about the 2015 Remedy and Annual Allowance, please visit our Impacts of Remedy on Annual Allowance webpage.
I’ve received a letter about my Additional Pension
If you bought an Additional Pension arrangement, you have a choice of what happens to this for your service between 1 April 2015 and 31 March 2022 – this is called the Remedy period.
We need you to confirm what you’d like to do. To help you make your decision, the letter includes:
- A decision guide, including a personalised table of your options
- A decision form to complete and send back to us
Take some time to review your options, then sign and send your form to confirm your decision.
You have 6 months to make your decision, but please tell us when you’re ready so we can make sure you’re paid the benefits you want when you retire.
If you have more than one Additional Pension arrangement in the Remedy period, you need to make a decision for each one.
I’ve received a letter about my Early Retirement Reduction Buy Out
If you bought an Early Retirement Reduction Buy Out arrangement, you have a choice of what happens to this for your service between 1 April 2015 and 31 March 2022 – this is called the Remedy period.
We need you to confirm what you’d like to do. To help you make your decision, the letter includes:
- A decision guide, including a personalised table of your options
- A decision form to complete and send back to us
Take some time to review your options, then sign and send your form to confirm your decision.
You have 6 months to make your decision, but please tell us when you’re ready so we can make sure you’re paid the benefits you want when you retire.
More information
2015 Remedy and getting ready to retire