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 | 17 Sep 2025 | Hayley Schofield, Greg Donaldson |
| Commutation | 1987 - Commutation on retirement | 17 Sep 2025 | Greg Donaldson, Hayley Schofield |
| Commutation | 2006 - Exchange of lump sum for additional annual pension payments | 17 Sep 2025 | Greg Donaldson, Hayley Schofield |
| Commutation | 2015 - Maximum commutation limit | 17 Sep 2025 | Greg Donaldson, Hayley Schofield |
| Commutation | Trivial commutation and capitalisation for death gratuities | 17 Sep 2025 | Greg Donaldson, Hayley Schofield |
| ERF and LRF | 2006 - Early retirement with actuarial reduction | 17 Sep 2025 | Greg Donaldson, Hayley Schofield |
| ERF and LRF | 2015 - Age additions and late payment supplements | 17 Sep 2025 | Greg Donaldson, Samantha Watts |
| ERF and LRF | 2015 - Early payment reduction and option to buy out | 17 Sep 2025 | Samantha Watts, Greg Donaldson |
| Scheme Pays | 1987 - Scheme Tax charge debits | 17 Sep 2025 | Greg Donaldson, Samantha Watts |
| Scheme Pays | 2006 - Scheme Tax charge debits | 17 Sep 2025 | Greg Donaldson, Samantha Watts |
| Scheme Pays | 2015 - Scheme Tax charge debits | 17 Sep 2025 | Greg Donaldson, Samantha Watts |
| Transfer In | 2015 - Non-Club incoming transfers | 17 Sep 2025 | Greg Donaldson, Samantha Watts |
| CETV and Pension on Divorce | 1987 - Transfer values and pension sharing on divorce | 17 Sep 2025 | Hayley Schofield, Greg Donaldson |
| CETV and Pension on Divorce | 2006 - Transfer values and pension sharing on divorce | 17 Sep 2025 | Greg Donaldson, Hayley Schofield |
| CETV and Pension on Divorce | 2015 - Transfer values and pension sharing on divorce | 17 Sep 2025 | Hayley Schofield, Greg Donaldson |
The following historic guidance is available as a downloadable PDF:
