PensionTech
Audit My Pension

Public sector pension checks · NHS audits now live

Is your public sector pension calculated correctly?

Independent, evidence-led checks of NHS, Teachers’, Civil Service, Local Government, Police, Fire and Armed Forces pensions, including the McCloud remedy. Findings written in plain English, with fees agreed in writing before any work starts.

Audit My PensionHow it works

Prefer to talk? Call +44 1432 805386, Monday to Friday, 9am to 5pm.

  • Evidence-led checks
  • Plain English findings
  • Transparent fees
  • Independent, not a claims company

What we check

Service history and breaks

Every employment period, career break and transfer, compared against what the scheme has recorded.

Part-time hours and pay

Whole-time equivalents, pensionable pay and the figures used for final salary or career average benefits.

Scheme transitions and McCloud

Whether the move to the reformed scheme and the McCloud remedy period have been applied correctly to your record.

Estimates and lump sums

Retirement estimates, lump sum options and any arrears, checked against the underlying evidence.

Schemes

Choose your scheme

Each scheme has its own rules, terminology and error patterns. NHS audits are open now. Register your interest in the other schemes and we will contact you when they open.

View all scheme guides

  • NHS Pension Scheme

    Nurses, doctors, AHPs and NHS staff

    Service breaks, practitioner pay, final pay links and McCloud transition issues.

    Now liveCheck this scheme

  • Teachers' Pension Scheme

    Teachers and education staff

    Career average accrual, salary history and part-time service can be misread.

    Coming soonRegister interest

  • Civil Service Pension

    Government and public body employees

    Alpha transition, classic/premium/nuvos records and service joins need careful checking.

    Coming soonRegister interest

  • Local Government Pension Scheme

    Council and local authority workers

    Multiple employments, CARE revaluation and historic final salary records can diverge.

    Coming soonRegister interest

  • Police Pension Scheme

    Police officers and eligible staff

    1987, 2006 and 2015 scheme transitions need forensic comparison.

    Coming soonRegister interest

  • Firefighters' Pension Scheme

    Firefighters and fire service staff

    Modified, 1992, 2006 and 2015 records can produce transition errors.

    Coming soonRegister interest

  • Armed Forces Pension Scheme

    Serving personnel and veterans

    AFPS 75, 05 and 15 transitions, preserved benefits and service history need checking.

    Coming soonRegister interest

How it works

How the pension audit works

What you do, what Pension Tech does, then findings and next steps. A fixed, evidence-led process before any challenge to an administrator.

  1. You

    Request an audit and share what you have

    Tell us your scheme and status online, or request a postal pack. Gather copies of your latest benefit statement, service history or extract, and any retirement estimate or McCloud documents you already hold.

  2. Pension Tech

    We review your details and check the evidence

    We confirm the audit scope, ask for any missing documents, then review service history, pay assumptions and McCloud eligibility against what the scheme has recorded.

  3. You receive

    Findings in plain English

    You receive a report that explains what looks right, what may need challenge, and which evidence supports each finding.

  4. Next steps

    Correction pathway or clear closure

    Where appropriate, we prepare a structured challenge pack for the scheme administrator. If the evidence does not support a challenge, you receive a clear closure report instead.

What happens after you request an audit

You will always know where your request is. Nothing is charged until the scope and fee are confirmed in writing, and you can approach your scheme directly at any point.

  1. Straight away

    We acknowledge your request by email, usually within one working day. If you asked us to call you back, a member of the Hereford team phones you during office hours.

  2. Usually within five working days

    We confirm the audit scope, the fee option you have chosen and exactly which documents we need. Nothing is charged until you confirm in writing.

  3. Once your documents are complete

    As a working assumption, the audit itself takes two to four weeks. Missing or unclear documents can extend this, and we tell you if they do.

  4. Findings and next steps

    You receive your report and we talk it through with you. If a challenge is justified we prepare the challenge pack; if not, you receive a clear closure report.

Timescales are working assumptions, not guarantees. They depend on the scheme, the quality of the documents and whether we need more evidence.

The report

Findings you can actually use

The audit report separates evidence, findings and correction steps, so you can see exactly why a challenge is or is not justified.

Evidence

The documents we work from, listed in the report:

  • Annual benefit statement
  • Service history or service extract
  • Retirement estimate, if you have one
  • Payslips and P60s
  • Part-time and career break records
  • McCloud remedy or transition documents

Findings

What looks right, what may need challenge, and which document supports each point. Written in plain English, without scheme jargon.

Next steps

A structured challenge pack for the scheme administrator where the evidence supports it, or a clear closure report where it does not.

Illustrative structure. Outcomes vary by case.

Case review

How a review unfolds

An anonymised, illustrative NHS case showing what we check, what we found and what happened next.

Background
An NHS nurse in the 1995 Section, part-time between 2009 and 2013, retired in 2023. Her statement looked reasonable, but her lump sum was lower than a colleague’s with similar service.
What we checked
Every employment period and the hours recorded for each, pensionable pay against her P60s, and whether the 2015 transition and remedy period had been applied.
What we found
The part-time years were recorded at 0.6 of whole time. Her payslips showed 0.8. The service credit for those four years was understated.
What happened next
We prepared a challenge pack with the payslips as evidence. The administrator corrected the service record and reissued the statement.

Illustrative case based on the kinds of discrepancies we see in NHS records. No figures are shown because every record is different and outcomes vary.

Client reviews

We publish client reviews only with the client’s written permission. Reviews from our pilot will appear here as they are approved.

McCloud remedy

McCloud remedy checks, built into the audit

The 2015 public sector scheme transition created a remedy period that can change how benefits are compared, selected and corrected.

Are you affected by McCloud?

You may be affected if you were a member of a public sector scheme on or before 31 March 2012 and were still in pensionable service on or after 1 April 2015, or 1 April 2014 for the Local Government Pension Scheme. This applies whether you stayed in your legacy scheme or moved to the reformed scheme, so do not rule yourself out. Each scheme guide sets out the criteria in full.

  • NHS Pension
  • Teachers' Pension
  • Civil Service Pension
  • Local Government
  • Police Pension
  • Fire Pension
  • Armed Forces Pension

What the remedy check covers

Remedy period
1 April 2015 to 31 March 2022
Local Government Pension Scheme
1 April 2014 to 31 March 2022
Schemes affected
All seven we cover

We compare transition records, remedy eligibility, service history and benefit statement assumptions before giving next steps in plain English.

Read the McCloud guide

Four clear ways to work with us

Pay a defined fee upfront, a percentage only on a successful recovery, an hourly rate for smaller questions — or just send a no-obligation enquiry. Recovery examples are illustrative and outcomes vary by case.

Price certainty

Fixed-Fee Audit

£495

Upfront fixed-scope audit for members who want certainty before any administrator challenge.

  • Evidence review
  • Plain English findings
  • McCloud screen
  • Correction pack outline
  • Payable even if no errors are found
Start fixed-fee audit
No win, no fee

No Win, No Fee Audit

25% of recovery

Capped at £10,000, no upfront audit fee.

A percentage-based fee applies only if a correction is found and delivered.

  • No upfront audit fee
  • Maximum fee capped at £10,000
  • Evidence-led challenge pack
  • No recovery = no success fee
  • Invoiced after any arrears are paid
Ask about no win, no fee
Pay as you go

Hourly Review

£100 per hour

Minimum two hours.

Pay-as-you-go support for general questions, basic reviews and pre-retirement checks where a full audit may not be needed.

  • Useful for basic reviews and second opinions
  • Particularly useful before retirement decisions
  • Clear estimate of likely hours before we begin
Ask about an hourly review
Not sure yet?

General Enquiry

Free

No obligation.

Not sure where to start? Send a no-obligation enquiry and we will point you to the most suitable route.

  • No cost and no obligation
  • We confirm whether an audit is appropriate
  • We explain the most suitable next step
Send a no-obligation enquiry
Pricing comparison table
Recovery amountFixed feeNo win, no feeBetter option
£5,000£495£1,250Fixed-Fee
£10,000£495£2,500Fixed-Fee
£20,000£495£5,000Fixed-Fee
£40,000£495£10,000Fixed-Fee

Illustrative. Outcomes vary by case. No win, no fee is 25% of any additional amount recovered, capped at £10,000. The hourly review is £100 per hour, minimum two hours.

Pricing calculator

Move the slider to compare the fixed fee with the no win, no fee option (25% of recovery, capped at £10,000). This is illustrative only.

£0£60,000

Crossover is the recovery at which both options cost the same (£1,980). Below it, no win, no fee is cheaper. Above it, the fixed fee is cheaper.

Fixed fee

£495

Paid up front. You keep 100% of any recovery.

No win, no fee

£4,500

25% of recovery, capped at £10,000. Nothing to pay if we find nothing.

Crossover

£1,980

Recovery point where both options cost the same.

At this recovery the fixed fee is cheaper — it saves you £4,005 versus no win, no fee.

Not sure which option suits you?

Send us a quick question — no commitment.

Are you an IFA, accountant or union?

Refer clients and ask about our partner programme.

Self-check

Try these checks yourself first.

We would rather you check yourself before paying for an audit. If the records still do not make sense, send us the evidence.

  1. 1Compare every employment period against your statement.
  2. 2Check part-time hours, career breaks and transfers are shown.
  3. 3Review final salary links and CARE revaluation assumptions.
  4. 4Look for McCloud remedy or 2015 transition references.
  5. 5Save evidence before contacting your scheme administrator.
See full self-help guide

Questions before you start

Practical answers for members, union reps and advisers reviewing the audit route.

We focus on UK public sector pension schemes: NHS, Teachers, Civil Service, Local Government, Police, Fire and Armed Forces. If you have more than one public sector pension, tell us in the request form so we can confirm the right audit scope.

Request a pension audit

Unsure if your pension has been calculated correctly?

Let us review it and give you clarity.

Audit My PensionPlease call me back

Call +44 1432 805386
Answered by the Pension Tech team in Hereford, Monday to Friday, 9am to 5pm. Outside these hours, leave a voicemail and we will call you back on the next working day.

Email hello@pensiontech.uk

Contact

Contact Pension Tech

Start online, ask for a postal pack, or contact us if you are helping members as a union rep or adviser.

Email

hello@pensiontech.uk

Monitored Monday to Friday, 9am to 5pm. We reply, usually within one working day.

Phone

+44 1432 805386

Answered by the Pension Tech team in Hereford, Monday to Friday, 9am to 5pm. Outside these hours, leave a voicemail and we will call you back on the next working day. Prefer us to ring you? Tick “Please call me back” on the request form.

Post

Pension Tech UK LimitedAquarius House43 Web Tree AvenueHerefordUnited KingdomHR2 6HQ

Please send copies rather than original documents, or request a postal pack.