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 | 2015 - Purchase of added pension | 28 Mar 2025 | Hayley Schofield, Greg Donaldson |
| Commutation | 1988 - Commutation on retirement | 28 Mar 2025 | Greg Donaldson, Hayley Schofield |
| Commutation | 2006 - Exchange of lump sum for additional pension payments | 28 Mar 2025 | Greg Donaldson, Hayley Schofield |
| Commutation | 2015 - Maximum commutation limit | 28 Mar 2025 | Hayley Schofield, Greg Donaldson |
| Commutation | Trivial commutation and capitalisation for death gratuities | 04 Jul 2019 | |
| ERF and LRF | 2015 - Age additions and late payment supplements | 28 Mar 2025 | Greg Donaldson, Samantha Watts |
| ERF and LRF | 2015 - Early payment reduction and option to buy out | 19 Mar 2025 | Greg Donaldson, Samantha Watts |
| Scheme Pays | 1988 - Scheme Tax charge debits | 19 Mar 2025 | Greg Donaldson, Hayley Schofield |
| Scheme Pays | 2006 - Scheme Tax charge debits | 19 Mar 2025 | Hayley Schofield, Greg Donaldson |
| Scheme Pays | 2015 - Scheme Tax charge debits | 19 Mar 2025 | Greg Donaldson, Hayley Schofield |
| Transfer In | 2015 - Non-Club incoming transfers | 10 Dec 2020 | |
| CETV and Pension on Divorce | 1988 - Transfer values and pension sharing on divorce | 10 Dec 2020 | |
| CETV and Pension on Divorce | 2006 - Transfer values and pension sharing on divorce | 10 Dec 2020 | |
| CETV and Pension on Divorce | 2015 - Transfer values and pension sharing on divorce | 10 Dec 2020 |
The following historic guidance is available as a downloadable PDF:
