Illustrative recovery
£18,420
Illustrative. Outcomes vary.
Public Sector Pension Checks
Pension accuracy, independently checked
Check your public sector pension for errors
Systematic checks for NHS, Teachers, Civil Service, Police, Fire and Armed Forces pensions, including McCloud remedy.
Pension Health Check - 6/8 checks
McCloud remedy review included
Transparent pricing
Postal option
Evidence-led
Plain English
Evidence-led checks
McCloud remedy expertise
Plain English findings
Postal & digital options
WCAG 2.1 AA accessible
Transparent fixed pricing
Fixed-fee audit
£495
Success-fee cap
£10,000
Audit steps
4
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 in public sector pensionable service during the remedy period and moved between legacy and reformed schemes.
- NHS Pension
- Teachers' Pension
- Civil Service Pension
- Local Government
- Police Pension
- Fire Pension
- Armed Forces Pension
Remedy data card
- Remedy period
- 2015-2022
- Schemes affected
- 7
We compare transition records, remedy eligibility, service history and benefit statement assumptions before giving next steps in plain English.
Read McCloud guideScan for McCloud guidepensiontech.uk/mccloud
Choose your public sector scheme
Each scheme has its own rules, terminology and error patterns. Start with the scheme that matches your statement.
NHS PensionNow Live
NHS Pension Scheme
Service breaks, practitioner pay, final pay links and McCloud transition issues.
Scan scheme guidepensiontech.uk/schemes/nhs
Check this schemeTeachers' PensionComing Soon
Teachers' Pension Scheme
Career average accrual, salary history and part-time service can be misread.
Scan scheme guidepensiontech.uk/schemes/teachers
Register interestCivil Service PensionComing Soon
Civil Service Pension
Alpha transition, classic/premium/nuvos records and service joins need careful checking.
Scan scheme guidepensiontech.uk/schemes/civil
Register interestLocal GovernmentComing Soon
Local Government Pension Scheme
Multiple employments, CARE revaluation and historic final salary records can diverge.
Scan scheme guidepensiontech.uk/schemes/lg
Register interestPolice PensionComing Soon
Police Pension Scheme
1987, 2006 and 2015 scheme transitions need forensic comparison.
Scan scheme guidepensiontech.uk/schemes/police
Register interestFire PensionComing Soon
Firefighters' Pension Scheme
Modified, 1992, 2006 and 2015 records can produce transition errors.
Scan scheme guidepensiontech.uk/schemes/fire
Register interestArmed Forces PensionComing Soon
Armed Forces Pension Scheme
AFPS 75, 05 and 15 transitions, preserved benefits and service history need checking.
Scan scheme guidepensiontech.uk/schemes/armed
Register interestHow the pension audit works
A fixed, evidence-led process designed for members who need clarity before they challenge an administrator.
- 1
Tell us about your pension
Start online or request a postal pack. We capture the scheme, status and documents available.
- 2
We gather and check
Evidence review, service history checks, pay assumptions and McCloud eligibility are reviewed systematically.
- 3
You receive findings
The report explains what looks right, what needs challenge and what evidence supports the finding.
- 4
We support next steps
We prepare the correction pathway or closure report, depending on what the audit finds.
Report preview
Findings you can actually use
The audit report separates evidence, findings and correction steps, so you can see why a challenge is or is not justified.
- Pension statement
- Service history
- Payslips
- P60s
- Part-time records
- McCloud transition documents
Illustrative example. Outcomes vary by case.
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.
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
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
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
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
| Recovery amount | Fixed fee | No win, no fee | Better option |
|---|---|---|---|
| £5,000 | £495 | £1,250 | Fixed-Fee |
| £10,000 | £495 | £2,500 | Fixed-Fee |
| £20,000 | £495 | £5,000 | Fixed-Fee |
| £40,000 | £495 | £10,000 | Fixed-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.
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.
Scan for self-check guidepensiontech.uk/self-check
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.
Contact Pension Tech
Start online, ask for a postal pack, or contact us if you are helping members as a union rep or adviser.
hello@pensiontech.uk
Post
Pension Tech UK Limited, Aquarius House, 43 Web Tree Avenue, Hereford, United Kingdom, HR2 6HQ
Phone
+44 1432 805386 · PensionTech — Hereford
Scan to get in touchpensiontech.uk/contact