Why your pension record was recalculated, what the "remedy period" means, and what — if anything — you need to do about it.
When the 2015 CARE pension scheme was introduced, older members were given "transitional protection" that let them stay in their legacy 1995/2008 scheme, while younger members were moved into the 2015 scheme. Courts found this age-based approach was unlawfully discriminatory — this is the McCloud judgment. The remedy: eligible members' service during the affected period is treated as being in whichever scheme (legacy or 2015) turns out to be better for them.
For most members, the choice between legacy and 2015 scheme accrual for the remedy period is deferred until you retire (or otherwise access your benefits). At that point, NHS Pensions calculates both outcomes and you (or they, automatically) choose whichever gives the higher benefit.
Check your Annual Benefit Statement or Total Reward Statement to confirm your remedy-period service is showing correctly. If you're close to retirement, ask NHS Pensions directly about your remedy statement and the choice process, since timelines for issuing these have varied by cohort.
No — the remedy is applied automatically to your record by NHS Pensions/NHSBSA. Your job is mainly to check the statements when they arrive and query anything that looks wrong.
Yes, potentially — because your pension growth in affected years may be recalculated. NHS Pensions has processes for members who need to revisit annual allowance charges for tax years affected by the remedy. If you think this applies to you, this is worth raising with an accountant or the NHS Pensions annual allowance team directly.
The NHS Business Services Authority (NHSBSA) website has a dedicated McCloud remedy section with the current timeline and guidance for members — worth checking directly, since implementation details have been updated as the programme has progressed.