I’d never heard of the McCloud remedy so have just been Googling. It looks like in 2015, younger members of many public sector pension schemes, including the NHS pension scheme, were moved to a less favourable new pension system. Whereas those closer to retirement would remain in the existing, more generous scheme. In 2018 there was a court case called
McCloud v Ministry of Justice which the government lost. This case found that these new rules discriminated against younger workers, on the grounds of age.
The government had to come up with a remedy for this discrimination. The remedy has two parts.
The first part is to treat all employees the same going forward, by moving everyone into the new scheme from 1 April 2022.
The second part is to make redress for any discrimination between 2015 and 2022. The way the government have decided to give redress, is by letting all pension scheme members choose whether they want to be part of the old scheme, or the new scheme, for the period 2015 to 2022. If the letter is about the McCloud remedy, then it could be that Mrs Mottie is being asked about which scheme she wants to be part of, for 2015 to 2022. Some people will be better off in the old scheme and others in the new scheme.
Here are two links to NHS information about the McCloud remedy.
https://www.nhsemployers.org/articles/mccloud-remedy#:~:text=The McCloud remedy removes the,Scheme when it was introduced.
https://www.nhsbsa.nhs.uk/changes-p...nsion-affected-changes-public-sector-pensions