[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-170760-105":3,"detail-sidebar-cat-1-en-105":81,"doc-detail-170760-en":126},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":74,"head_meta":76,"extra_data":78,"updated_unix":80},105,"en","mccloud-remedy-template-letters-for-administrators","McCloud remedy - template letters for administrators","","A set of administrator-focused template letters and wording to help administering authorities update communications to reflect the McCloud remedy. The guidance covers how the LGPS rules changed from 1 October 2023, protecting eligible younger members through underpin arrangements and adding detail for consistent outcomes. It outlines extra operational work and structures the material into sections for new calculations, required disclosure within defined time limits, retrospective contact with affected members, and annual benefit statement wording from 2025 onward.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/template/","Template",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/template/letters/","Letters",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/template/mccloud-remedy-template-letters-for-administrators/170760/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/mccloud-remedy-template-letters-for-administrators/170760.png","ImageObject",442,249,{"name":42,"@type":43},"Valentina","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/vnd.openxmlformats-officedocument.wordprocessingml.document","2026-10-18","2026-09-01",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",5,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"What change introduced the McCloud remedy communications requirements from 1 October 2023?","Question",{"text":63,"@type":64},"The LGPS rules changed from 1 October 2023 to remove discrimination identified in the McCloud court case, extending underpin protection to eligible younger members while adding more detail to ensure fair, consistent career average outcomes.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"What must administering authorities do under the disclosure requirement after 1 October 2023?",{"text":68,"@type":64},"The October 2023 changes are treated as a material change to basic scheme information, so administrators must provide information about the changes to affected people within three months of 1 October 2023.",{"name":70,"@type":61,"acceptedAnswer":71},"Which communications areas are covered by the templates and from when are annual benefit statements updated?",{"text":72,"@type":64},"The document is split into sections for new calculations (with template paragraphs to inform members), disclosure (including a newsletter article template), retrospective changes (template letters for pensioner members), and annual benefit statements where underpin protection is reflected in figures from 2025 onward.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},170760,1788274970,{"code":4,"msg":82,"data":83},"success",[84,89,94,99,104,109,114,118,122],{"id":85,"doc_module":22,"doc_module_name":25,"category_name":86,"show_sort_weight":87,"slug":88},11,"Presentations",90,"presentations",{"id":90,"doc_module":22,"doc_module_name":25,"category_name":91,"show_sort_weight":92,"slug":93},12,"Resumes",80,"resumes",{"id":95,"doc_module":22,"doc_module_name":25,"category_name":96,"show_sort_weight":97,"slug":98},14,"Invoices",70,"invoices",{"id":100,"doc_module":22,"doc_module_name":25,"category_name":101,"show_sort_weight":102,"slug":103},15,"Posters",60,"posters",{"id":105,"doc_module":22,"doc_module_name":25,"category_name":106,"show_sort_weight":107,"slug":108},16,"Social Media",50,"social-media",{"id":110,"doc_module":22,"doc_module_name":25,"category_name":111,"show_sort_weight":112,"slug":113},17,"Forms",40,"forms",{"id":115,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":116,"slug":117},18,30,"letters",{"id":119,"doc_module":22,"doc_module_name":25,"category_name":120,"show_sort_weight":55,"slug":121},21,"Paper Templates","papers-templates",{"id":123,"doc_module":22,"doc_module_name":25,"category_name":124,"show_sort_weight":4,"slug":125},158,"General","general-158",{"code":4,"msg":82,"data":127},{"doc_id":79,"user_id":128,"nickname":42,"user_avatar":129,"doc_module":22,"category_id":115,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":135,"language":136,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":12,"update_tm":80,"read_time":140},13056703020460,"https://ap-avatar.wpscdn.com/avatar/be000253dac470eee5d?_k=1778207105932848923","McCloud remedy: template letters for administrators\n\u0013 TOC \\h \\z \\u \\t \"Heading 2,1,Heading 3,2\" \u0014\u0013 HYPERLINK \\l \"_Toc197063399\" \u0014Introduction\t\u0013 PAGEREF _Toc197063399 \\h \u00141\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc197063400\" \u0014Using these templates\t\u0013 PAGEREF _Toc197063400 \\h \u00143\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc197063401\" \u0014Other information and considerations\t\u0013 PAGEREF _Toc197063401 \\h \u00143\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc197063402\" \u0014New guidance\t\u0013 PAGEREF _Toc197063402 \\h \u00143\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc197063403\" \u0014Unprotected members\t\u0013 PAGEREF _Toc197063403 \\h \u00144\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc197063404\" \u0014Calculations through online portals\t\u0013 PAGEREF _Toc197063404 \\h \u00144\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc197063405\" \u0014Part 1: new calculations\t\u0013 PAGEREF _Toc197063405 \\h \u00144\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc197063406\" \u0014‘Compulsory’ retirements\t\u0013 PAGEREF _Toc197063406 \\h \u00144\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc197063407\" \u0014‘Optional’ Retirements\t\u0013 PAGEREF _Toc197063407 \\h \u00145\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc197063408\" \u0014Retirement Estimate\t\u0013 PAGEREF _Toc197063408 \\h \u00146\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc197063409\" \u0014Deferred calculation\t\u0013 PAGEREF _Toc197063409 \\h \u00146\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc197063410\" \u0014Survivor pension\t\u0013 PAGEREF _Toc197063410 \\h \u00147\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc197063411\" \u0014Part 2: Disclosure\t\u0013 PAGEREF _Toc197063411 \\h \u00147\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc197063412\" \u0014Part 3: Retrospective calculations\t\u0013 PAGEREF _Toc197063412 \\h \u001410\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc197063413\" \u0014Member’s pension in payment\t\u0013 PAGEREF _Toc197063413 \\h \u001410\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc197063414\" \u0014Part 4: Annual benefit statements\t\u0013 PAGEREF _Toc197063414 \\h \u001416\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc197063415\" \u0014Recommended approach - figures\t\u0013 PAGEREF _Toc197063415 \\h \u001417\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc197063416\" \u0014Recommended approach – groups and template wording\t\u0013 PAGEREF _Toc197063416 \\h \u001418\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc197063417\" \u0014Service information\t\u0013 PAGEREF _Toc197063417 \\h \u001421\u0015\u0015\n\u0013 HYPERLINK \\l \"_Toc197063418\" \u0014Disclaimer\t\u0013 PAGEREF _Toc197063418 \\h \u001422\u0015\u0015\n\u0015\n\u000f\nIntroduction\nThe LGA and the Communications Working Group have produced these templates to help administering authorities adapt their communications to reflect the McCloud remedy. The LGPS rules changed from 1 October 2023 to remove the discrimination identified in the court case known as McCloud after a member of the Judges’ Pension Scheme involved in the case.\nFrom 1 October 2023, eligible younger members are protected by the underpin that already protected older members from 1 April 2014 (2015 in Scotland). But the 1 October 2023 rules changes did not just extend the protection to younger members. The ‘old’ underpin rules did not include enough detail to ensure that protected members received a career average pension that was at least as good as they would have received under the final salary scheme. The October 2023 changes introduce more detail about how the underpin works in different circumstances. This means that the underpin works fairly and consistently for all protected members.\nThe new rules will mean a significant amount of extra work in different areas for administering authorities. We have split this document into sections:\nPart 1: new calculations. Certain calculations run for a protected member from 1 October 2023 onwards should reflect their underpin protection. Part 1 includes template paragraphs to add to existing letters to inform the member that their protection has been taken into account.\nPart 2: Disclosure. The October 2023 changes constitute a ‘material change to basic scheme information’ under The Occupational and Personal Pension Schemes (Disclosure of Information) Regulations 2013. As such, administering authorities must give information about the changes to all people whose rights or prospective rights under the scheme may be affected by them. This must be done within three months of 1 October 2023. Part 2 includes a template of a newsletter article that could be used to satisfy the disclosure requirements.\nPart 3: Retrospective changes. Administering authorities will need to contact members who received payments from the LGPS before 1 October 2","cbCaibadizrYmEhz","https://ap.wps.com/l/cbCaibadizrYmEhz","docx",67905,22,"English","# Introduction\n# Using these templates\n## Local practices\n## Local processes\n## Software supplier\n## Local decisions\n# Part 1: new calculations\n# Part 2: Disclosure\n# Part 3: Retrospective calculations\n# Part 4: Annual benefit statements\n## Service information\n## Disclaimer","[{\"question\":\"What change introduced the McCloud remedy communications requirements from 1 October 2023?\",\"answer\":\"The LGPS rules changed from 1 October 2023 to remove discrimination identified in the McCloud court case, extending underpin protection to eligible younger members while adding more detail to ensure fair, consistent career average outcomes.\"},{\"question\":\"What must administering authorities do under the disclosure requirement after 1 October 2023?\",\"answer\":\"The October 2023 changes are treated as a material change to basic scheme information, so administrators must provide information about the changes to affected people within three months of 1 October 2023.\"},{\"question\":\"Which communications areas are covered by the templates and from when are annual benefit statements updated?\",\"answer\":\"The document is split into sections for new calculations (with template paragraphs to inform members), disclosure (including a newsletter article template), retrospective changes (template letters for pensioner members), and annual benefit statements where underpin protection is reflected in figures from 2025 onward.\"}]","McCloud remedy - template letters for administrators | DOCX",8]