Pen-gage Ltd

19/10/2026

Received your McCloud RSS and not quite sure what to make of it?
If you’ve already retired and are affected by the McCloud remedy, you may receive an RSS setting out the options available to you.

And there can be a lot to take in.

Your options are personal to you, and understanding what each one could mean for your pension and wider circumstances is important before making your choice.

The good news is, you don’t have to work it all out on your own.
Swipe through for 5 things to know when your RSS arrives.

If you’d like some help understanding the options you’ve been given, our McCloud Options Consultation Meeting gives you 45 minutes with one of our consultants to talk through your RSS and help you understand what it means for you.

We can't tell you which option to choose, but we can give you the information and understanding you need to make your own decision.
You may also be able to claim the cost of the meeting back from your pension scheme where they agree that they haven't provided sufficient information for you to make your choice.

Find out more about our McCloud support here: https://pengage.co.uk/individual-pensions/mccloud-support-options-consultation-meeting/

15/10/2026

There are no silly pension questions.

And if there's something about your NHS pension you don't understand, there's a pretty good chance somebody else has wondered exactly the same thing.

It's one of the reasons we spend so much time answering questions, running webinars, creating resources, and talking pensions every day.

Because you shouldn't need to know all the terminology before you can start understanding your own pension.

Sometimes it starts with a really simple question.

“What does this actually mean for me?”

And that's a very good place to start.

13/10/2026

When will you actually receive your first pension payment?

It's something people don't always think about until they've already made the decision to take their benefits.

As Laura explains, NHS pension payments are made monthly in arrears. So, for example, if your retirement date is 1 September, your first pension payment will be 1 October.

And your lump sum might not arrive immediately either. It can be paid on your retirement date, but it can also be paid up to 30 days later and still be classed as on time.

That's worth knowing before you make your retirement plans.

Make sure you've thought about the timing of those first payments so your financial planning stacks up.

And, as Laura puts it: don't spend the money until you've got it!

09/10/2026

Thinking about partial retirement?

Our next MemberZone webinar is taking a closer look at NHS Partial Retirement: Considerations and Processes.

Partial retirement can give NHS Pension Scheme members more flexibility as they move towards full retirement, but there can be a lot to think about along the way.

Join us on Tuesday 13 October, 6–8pm, when we'll cover:
✓ A brief recap of the NHS Pension Scheme
✓ Partial retirement rules and requirements
✓ Processes to consider
✓ Documentation and forms
✓ What to do if partial retirement can't be agreed

This session is exclusive to MemberZone members.

It’s designed as a separate and supplementary session to our pre-retirement webinar, so if you haven't attended that one, you can watch the recording in MemberZone beforehand.

Already a member? Get the date in your diary.

Not joined MemberZone yet? You can find out more and become a member here: https://pengage.co.uk/individual-pensions/memberzone-access/?mepr-unauth-page=14335&redirect_to=%2Fmemberzone

This session is for guidance and education purposes only and is not financial advice.

07/10/2026

When did you last really look at your pension?

Not just check that your pension record is correct. Actually take some time to understand what you've built up and what that could mean for your retirement.

Do you know your Normal Pension Age?
Have you thought about when you would actually like to retire?
Do you understand the different options available to you?
And if your circumstances or plans have changed, does your pension still fit with them?

Your NHS pension can be one of your biggest financial assets, yet it’s something many of us spend surprisingly little time thinking about.

You don't need to figure everything out today. Start by finding out where you are now.

02/10/2026

Quick pension check: are your nomination details up to date?

It’s one of those little bits of pension admin that’s very easy to forget about.

But circumstances change. Relationships change, families change, and the nominations you made some time ago might not reflect your wishes today.

So, consider this your reminder to:
✓ Check your nomination details
✓ Make sure they’re still right for you
✓ Update them if your circumstances have changed

A quick job, but an important one.

When did you last check yours?

30/09/2026

30/09/2026

McCloud isn't just a calculation.

When we talk about the McCloud remedy, it's easy to focus on pension figures, calculations, and getting the technical implementation right.

But the impact on members can go much further than that.
In our new discussion paper, Laura identifies four overlapping areas of member impact:

Financial. Employment. Family. Decision-making.

A change to someone's pension position can affect tax, retirement timing, working patterns, household finances, and decisions that may have been made years ago.

And while these issues may be dealt with separately from an administrative point of view, that's not how members experience them.

They experience them together.

That's why the paper argues that McCloud needs joined-up impact analysis, not simply technical implementation.

Swipe through for a closer look at the four areas, or read Laura's full discussion paper here: https://pengage.co.uk/blog/discussion-paper-mccloud-remedy-emerging-issues/

29/09/2026

We're delighted to be exhibiting and we'd love to meet you there!

Learn more and register here:

Register now

28/09/2026

Got an NHS pension question at 9pm?

Pension questions don’t always conveniently pop into your head between 9 and 5.

Sometimes it’s when you finally sit down in the evening, look at your pension, and think… hang on, what does that actually mean?

That’s one of the reasons we created MemberZone.

It gives you 24/7 access to trusted NHS pension guidance and resources, including fact sheets, videos, calculators, form completion guides, and more.

So when you’ve got ten minutes to look into something, the information is there when you need it.

Because understanding your pension doesn’t have to mean setting aside an entire afternoon.

Sometimes it starts with one question at 9pm.

https://pengage.co.uk/individual-pensions/memberzone-access/