Current guidance
McCloud eligible members guidance
McCloud eligible members guidance has not yet been loaded onto the GAD Factors Guidance Hub. It is in the pipeline and will be added shortly. In the meantime,
please continue to use the guidance that has been issued in PDF, where relevant.
Guidance
The following factor guidance is available. As stated above, any applicable McCloud guidance should be noted first.
Guidance Type
Guidance Title
Date of Issue
Issued by
Added Pension
1995, 2008 - Purchase of Additional Pension
10 Apr 2025
Garry Swann, Hayley Schofield
Added Pension
2015 - Purchase of Additional Pension
10 Apr 2025
Hayley Schofield, Garry Swann
CETV
1995, 2008 - Non-Club transfers out (CETVs)
10 Apr 2025
Garry Swann, Samantha Watts
CETV
2015 - Non-Club Transfers (CETVs)
10 Apr 2025
Garry Swann, Samantha Watts
Club Transfers
2015 - Club Transfers (Supplement to the Club Memorandum)
20 Dec 2019
Commutation
1995, 2008 - Commutation
25 Oct 2019
Commutation
2015 - Commutation
25 Oct 2019
ERF and LRF
1995, 2008 - Compulsory early retirement
25 Oct 2019
ERF and LRF
1995, 2008 - Voluntary early and late retirements in normal health
07 Aug 2019
ERF and LRF
2015 - Compulsory early retirement
25 Oct 2019
ERF and LRF
2015 - Voluntary early and late retirements in normal health
07 Aug 2019
ERRBO and EPA
2015 - Early retirement reduction buy-out (ERRBO)
10 Apr 2025
Garry Swann, Hayley Schofield
Other - scheme specific
1995, 2008 - Abatement of member's pension on return to work
26 Sep 2019
Other - scheme specific
1995, 2008 - Allocation
31 Mar 2015
Other - scheme specific
1995, 2008 - Final pay control
28 Apr 2020
Other - scheme specific
2015 - Abatement of member's pension on return to work
26 Sep 2019
Other - scheme specific
2015 - Allocation
31 Mar 2015
Other - scheme specific
2015 - Partial Retirement for members within 10 years of Normal Pension Age
25 Oct 2019
Other - scheme specific
2015 - Pensionable Pay determination for members with multiple employments
26 Sep 2019
Other - scheme specific
Allocation - single source ill health
28 Apr 2020
Pension on Divorce
1995, 2008 - Pension sharing following divorce
20 Dec 2019
Pension on Divorce
2015 - Pension sharing following divorce
20 Dec 2019
Scheme Pays
1995, 2008 - Reduction to benefits due to Scheme Pays
26 Sep 2019
Scheme Pays
2015 - Reduction to benefits due to Scheme Pays
26 Sep 2019
Transfer In
1995, 2008 - Incoming non-Club transfer
31 Jan 2020
Transfer In
2015 - Incoming non-Club transfers
31 Jan 2020
Historic guidance
The following historic guidance is available as a downloadable PDF:
Guidance Type
Guidance Title
Date of Issue
Added Pension
1995, 2008 - Purchase of Additional Pension
26 Sep 2019
Added Pension
1995, 2008 - Purchase of Additional Pension
31 Mar 2015
Added Pension
2015 - Purchase of Additional Pension
26 Sep 2019
Added Pension
2015 - Purchase of Additional Pension
31 Mar 2015
CETV
1995, 2008 - Non-Club transfers out (CETVs)
08 Aug 2019
CETV
1995, 2008 - Non-Club transfers out (CETVs)
16 Mar 2016
CETV
1995, 2008 - Non-Club transfers out (CETVs)
31 Mar 2015
CETV
2015 - Non-Club Transfers (CETVs)
08 Aug 2019
CETV
2015 - Non-Club Transfers (CETVs)
16 Mar 2016
CETV
2015 - Non-Club Transfers (CETVs)
31 Mar 2015
Club Transfers
2015 - Club Transfers (Supplement to the Club Memorandum)
12 Jun 2015
Club Transfers
2015 - Club Transfers (Supplement to the Club Memorandum)
16 Mar 2015
Commutation
1995, 2008 - Commutation
31 Mar 2015
Commutation
2015 - Commutation
31 Mar 2015
ERF and LRF
1995, 2008 - Compulsory early retirement
31 Mar 2015
ERF and LRF
1995, 2008 - Voluntary early and late retirements in normal health
31 Mar 2015
ERF and LRF
2015 - Compulsory early retirement
31 Mar 2015
ERF and LRF
2015 - Voluntary early and late retirements in normal health
31 Mar 2015
ERRBO and EPA
2015 - Early retirement reduction buy-out (ERRBO)
26 Sep 2019
ERRBO and EPA
2015 - Early retirement reduction buy-out (ERRBO)
31 Mar 2015
Other - scheme specific
1995, 2008 - Abatement of member's pension on return to work
31 Mar 2015
Other - scheme specific
1995, 2008 - Final pay control
31 Mar 2015
Other - scheme specific
1995, 2008 - Partial Retirement for members aged at least 55
25 Oct 2019
Other - scheme specific
1995, 2008 - Partial Retirement for members aged at least 55
31 Jul 2015
Other - scheme specific
2015 - Abatement of member's pension on return to work
31 Mar 2015
Other - scheme specific
2015 - Partial Retirement for members within 10 years of Normal Pension Age
31 Jul 2015
Other - scheme specific
2015 - Pensionable Pay determination for members with multiple employments
31 Mar 2015
Other - scheme specific
Allocation - single source ill health
31 Mar 2015
Pension on Divorce
1995, 2008 - Pension sharing following divorce
31 Mar 2015
Pension on Divorce
2015 - Pension sharing following divorce
31 Mar 2015
Scheme Pays
1995, 2008 - Reduction to benefits due to Scheme Pays
31 Mar 2015
Scheme Pays
2015 - Reduction to benefits due to Scheme Pays
31 Mar 2015
Transfer In
1995, 2008 - Incoming non-Club transfer
29 May 2015
Transfer In
1995, 2008 - Incoming non-Club transfer
31 Mar 2015
Transfer In
2015 - Incoming non-Club transfers
16 Mar 2016
Transfer In
2015 - Incoming non-Club transfers
31 Mar 2015