McCloud pension underpin calculations
Councils are grappling with delays in implementing McCloud pension underpin calculations, citing software issues and regulatory gaps.
Sutton Council Pension Fund reported a breach to the Pensions Regulator in October 2025 after missing the 31 August 2025 deadline for the McCloud Remedy, which addresses age discrimination in public sector pensions. This was attributed to delays in receiving a functional software solution from a provider. Separately, Westminster Council's Pension Board decided in September 2025 to delay publishing McCloud pension underpin calculations until August 2026.
The delay at Westminster Council is due to regulations not being in place for correct calculation for one group of members, and a lack of information being provided by other schemes for another group. The issue of delayed software solutions affecting the McCloud Remedy is a nationwide concern for Local Government Pension Scheme funds, as noted by Sutton Council.
The McCloud Remedy addresses age discrimination found in public sector pension schemes related to reforms implemented in 2014 and 2015, ensuring members receive benefits no less than under previous rules. Westminster Council aims to publish its delayed calculations by August 2026.
Key facts
- Sutton Council Pension Fund reported a breach to the Pensions Regulator in October 2025. Source
- Sutton Council Pension Fund missed the 31 August 2025 statutory deadline for the McCloud Remedy. Source
- Westminster Council's Pension Board decided in September 2025 to delay calculations. Source
- Westminster Council aims to publish McCloud calculations by August 2026. Source
- The McCloud Remedy addresses age discrimination in public sector pension schemes. Source 1 Source 2
About this summary
This summary was written automatically from our published stories and the council meeting records they draw on. It describes what councils have discussed and decided; it does not take a view on any decision. Each key fact links to the story it comes from. Updated 1 October 2026. Spotted a mistake? Email community@opencouncil.network.