I’m retired
We’ll offer you a choice between your legacy scheme (final salary) benefits and your reformed (CARE) scheme benefits for your service between 1 April 2015 and 31 March 2022. This is called the Remedy period.
This choice will be offered to all members, including those who had 'protected status' when the pension reforms were introduced and remained in the legacy scheme.
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 your final salary and CARE scheme for the Remedy period, to help you decide which option is the right one for you.
When we’ll contact you
We’ll write to you to make your choice by sending you a choice letter called a Remediable Service Statement (RSS).
The complexities involved in delivering the 2015 Remedy mean that we are continuing to process and deliver RSS for all eligible members. This is taking us longer to complete than originally planned and we have revised our delivery plans accordingly. The practical delivery of the 2015 Remedy ruling has been incredibly challenging for the SPPA and all other UK pension scheme administrators.
While progress has not matched the pace that we had hoped, the issuing of RSS has begun. We have developed an automated process to enable us to deliver as efficiently and accurately as possible across all schemes and development of our systems has now advanced to the point where we are able to progress larger volumes of cases.
We are starting with the most straightforward cases and will build layers of complexity into this process for each specific scenario covering all individual retirees.
We would like to apologise for the further delay to the provision of your RSS. We are contacting all members who have not yet had a statement to provide more information about this and what we’re doing about this. The first of these updates was issued in October 2025 and we will send another update in April 2026 if you have not received your RSS by then.
I have received my choice letter – support and guidance
If you have received your choice letter, known as a Remediable Service Statement (RSS), these resources will help you to understand your RSS and what you have to do.
The RSS contains important information to help you make your choice. We’ve tried to make it as easy as possible to understand by laying it out in sections. The introductory letter explains why you are getting a choice and when this needs to be sent to the SPPA.
As soon as your decision has been processed by the SPPA, we will send you a confirmation letter. Your new pension (if appropriate) will be paid on the next available payment date. Depending on when your pension is processed, this may not be the next payment you are due to receive. As we are processing large volumes, there may be unavoidable delays but we will try to keep this to a minimum.
The SPPA cannot provide financial advice. If you need help with your decisions, consider talking to a professional financial adviser. You can find advisers near you by visiting Citizens Advice Scotland at www.cas.org.uk
I’ve received an Ill Health Retirement Review letter
We’re reviewing ill health pensions for members who are eligible for 2015 Remedy. This is to understand whether you would have been eligible for ill-health benefits under your alternative pension scheme.
We’ll use the evidence that was provided at the time of your original application so you won’t need to send us any new information or be examined by a medical professional.
The outcome of this review could mean your pension will change.
Once the review is completed, we’ll contact you with the outcome and tell you what to do next. We won’t make any changes to your pension as a result of the review.
If you don’t want us to review your pension
You need to let us know. Doing this will mean you’re still eligible for 2015 Remedy but your Remediable Service Statement might not include ill-health benefits for your alternative pension scheme.
You can tell us by returning the decision form included with the letter.