Gillian McCue

Legal Director
Contact details

029 2068 6148

Gillian McCue is bright, very focussed and responsive – she provides accurate advice

Legal 500, 2024

Gillian is a Legal Director specialising in pensions and benefits advising on all employer and trustee pension scheme responsibilities.

Main areas of practice

Gillian advises trustees and employers on all pensions issues including, regulatory compliance, corporate transactions and investment responsibilities on both public service and private sector pension schemes.  She also advises on incentive arrangements for key executives and staff.

Significant experience

Public sector

  • The Welsh Ministers on staff reorganisations involving the Local Government Pension Scheme, Principal Civil Service Pension Scheme and industry-wide pension schemes.  Includes due diligence, advice on form of security for pension funds, novation agreements and exit debts in the Local Government Pension Scheme.

Health and Social Care

  • NHS Surrey on its £500m deal with Virgin Care Services for the transfer of its provider-arm, Surrey Community Health – delivered a bespoke solution to enable transferring staff to retain access to the NHS pension arrangements.  Provides follow-up pensions advice to Virgin Care Services;
  • A national care home provider on the novation of Local Government Pension Scheme admission arrangements from the incumbent contractor, following the provider’s bid to provide local authority care services;
  • A mental health trust on claims from its staff for enhanced pension rights;
  • An NHS trust in a Pensions Ombudsman claim for maladministration of an ill-health pension from the NHS Pension Scheme;
  • A health trust on a Pensions Ombudsman claim from the widow of an employee in relation to the death benefits payable;
  • A charity performing services on behalf of a local authority of flexible retirement rights under the NHS Pension Scheme (1995 and 2008 sections) and options for harmonising its staff pensions;

Social Housing

  • A national charity with a number of subsidiary companies making contributions to several different pension schemes; LGPS, SHPS, a stakeholder scheme and personal pensions. The client wished to understand the implications of a restructure.  Gillian offered options for managing pension debts should they trigger, advice on pension and TUPE consultation and the level of pension provision necessary following a TUPE transfer of staff, as well as an auto-enrolment health-check on the pension schemes, employment contracts, flexible benefits, payroll and administration.  Gillian suggested salary sacrifice as a way to generate cost efficiencies.
  • Advised a social landlord employer on a review of its pension arrangements.  The employer was a community admission body within the LGPS and also participated in SHPS.  Following the SHPS employer covenant review, the employer’s contribution rate soared.  Gillian provided advice on managing the risks of each proposed strategy, having reviewed employment contracts and collective agreements.


  • A University in a claim for enhanced pension rights under the Equality Act 2010.
  • A University pension scheme on compliance with sex equalisation legislation.


  • Admission arrangements for the Local Government Pension Scheme and managing exit debts on leaving the Local Government Pension Scheme.
  • Advice on all aspects of the Government’s Fair Deal for Staff Pensions guidance, including future pension entitlement of local authority staff following their TUPE transfer to private sector employers and bulk transfers of accrued pension rights.

Private Sector

  • Evans and Reid Investment Co. Ltd Pension and Assurance Scheme – winding-up of the pension scheme.  Advising the independent trustee Smith & Williamson on the steps to be completed during the Pension Protection Fund assessment period.  The scheme has few members remaining but a significant number of issues have arisen from interpretation of PPF legislation on death in deferment to pension sharing on divorce.
  • Advising a £17 million pension scheme on the pensions implications of group reorganisation and making an approach to the Pensions Regulator for Clearance.

Contentious pensions

  • Advised a joint venture on who is responsible for meeting its pension deficit in the Local Government Pension Scheme at the end of the contract. Our advice involved a consideration of insolvency, commercial, contract and employment law.
  • Advised on the staff consultation implications of removing the dependants’ pension from a trust which also provides a death-in-service lump sum including advising on the implications of Section 255 of the Pensions Act 2004.


Gillian was a volunteer case worker at The Pensions Advisory Service from November 2013 to February 2018


Gillian can speak Japanese.




Gillian qualified in 2006 after completing her Legal Practice Course in Cardiff in 2004.  Prior to this she worked for Osaka City Government in event management, having graduated in Law and Japanese (LLB) from Cardiff University in 2001. In 2013 Gillian gained her Pensions Management Institute Certificate in Retirement Provision. She has passed the PMI Certificate in Pensions Automatic Enrolment.

In 2019 she was admitted as a Solicitor of the Court of Judicature of Northern Ireland.

Contact details

029 2068 6148

Top Ranked Uk Chambers 2018
  • Student Member, Pensions Management Institute
  • Association of Pensions Lawyers


"Gillian McCue is exceptionally professional and very helpful."

Legal 500, 2022

"Gillian is very practical, down-to-earth and good to deal with - she isn't the kind of lawyer who takes points just for the sake of it."

Chambers and Partners, 2022 - Associate to Watch

"Gillian McCue is very easy to work with and explains complex pensions issues in a concise, clear manner."

Legal 500, 2022

Gillian McCue is regarded as "very friendly and practical" by clients, who add that "she is always looking for solutions." She is frequently called upon by sponsoring employers seeking counsel on matters including transfers and potential mergers.

Chambers and Partners, 2020

Gillian McCue was recently promoted to senior associate in recognition of her strong practice in the area.

Legal 500, 2020

Gillian McCue is "very clear, very thorough and relaxed to deal with," says a source. She advises a broad range of clients on pensions matters relating to transactions and public sector schemes, among other issues.

Chambers and Partners, 2019

Insights by Gillian


13 February - Gillian McCue

The intention is for pensions dashboards to provide pension savers with clear and simple information about their multiple pension savings, including their State Pension, in one secure digital space, 24/7.

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17 October - Gillian McCue

Pensions Ombudsman decision confirms employer maladministration resulting in an individual missing the automatic enrolment opt-out window did not cause loss to the individual.

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14 October - Gillian McCue

Part of the Government’s response to the coronavirus (COVID-19) pandemic has been measures to boost the available NHS workforce. As part of this, rules in the NHS Pension Scheme have...

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