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McCloud judgement creates a tricky pension dilemma for civil servants

Like thousands of other civil servants, retired and employed, I have received an offer from the Civil Service Pension Scheme - and my decision is permanent.



Due to the McCloud judgement, civil servants are offered a choice between the Principal Classic and Alpha pension schemes, with compensation for the remedy period. Those already drawing pensions face an "immediate choice" with letters being sent out. The decision involves considering pension size, tax-free cash, survivor benefits, and potential tax implications on arrears. The Civil Service Pension Scheme provides information, but cannot offer personalized advice.

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