Public sectors workers will need to seek specialist advice if government plans to rectify a pension discrimination issue go ahead, industry experts have warned.

As part of government proposals, public sector workers may have to choose which pension scheme to join and a poor decision could see them left out of pocket.

Therefore, the pensions industry is urging workers to seek advice to help them navigate these challenges.

Andrew Leal, head of healthcare at MHA MacIntyre Hudson, believes choosing a pension scheme will be really difficult and will test the sector’s advisory services.

He said: “With so many factors in play and stakeholders involved, careful planning and support will be required to ensure anyone transitioning to the 2015 scheme has an efficient and fair experience.”

These proposed changes were put forward by the government for consultation earlier this year as part of its plans to implement the McCloud and Sargeant judgments to remove discrimination between pension scheme members.

The issue concerns public sector pension scheme members who were enrolled into newer schemes while older scheme members’ defined benefit pension accruals were protected from a downgrade.

Under the legacy schemes, pensions were based on years of service and final salary, whereas under the new schemes it was based on years of service and career average salary.

The courts ruled by doing this the government was discriminating against younger members based on age.

To resolve this HM Treasury suggested members should choose whether to receive benefits from the legacy or reformed schemes for the period between April 2015 and March 2022.

It has also proposed two possible methods for making this decision – members will either have to decide on their scheme within 12 or 24 months after 31 March 2022, or they will be asked to decide when they access their benefits.

The consultation closed on October 11 and members will now have to wait to see what the government’s next steps will be.