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  • Ill health

    Miss M contacted us after being refused ill health retirement. She was confused by the ill health retirement process under her pension scheme and did not fully understand the Scheme administrator’s correspondence.

  • Ill health

    Ms S is a member of the Local Government Pension Scheme. Ms S requested the early release of her deferred pension on grounds of ill health, yet the Scheme repeatedly failed to respond in a timely manner.

  • Ill Health

    Mrs S was a member of the HSBC Bank (UK) Pension Scheme. She retired on the grounds of incapacity in 1999 and had been in receipt of a pension. The pension was subject to periodic review, and Mrs S was notified that her pension would be reduced.

  • Ill Health

    Ms H was refused an ill health retirement pension and approached us for help.

  • Ill health early retirement

    Mr H complained that South Tyneside Council incorrectly awarded him Tier 2 ill health early retirement benefits. He said he was entitled to (more generous) Tier 1 IHER benefits.

  • Interpretation of scheme rules

    Mr A was a retained firefighter and is now a deferred member of the New Firefighters’ Pension Scheme (England). He complained that the Warwickshire Fire and Rescue Authority was not treating his disturbance, work activity and training attendance payments as pensionable.

  • Lost Benefits

    Mrs N had accrued pension benefits under the Transport Friendly Society Pension Scheme and later became a member of the Principal Civil Service Pension Scheme. After enquiring about her pension benefits, she was told these had been transferred to the PCSPS.

  • Misinformation

    Mrs Y was a member of the HSC Pension Scheme. Mrs Y’s employer provided her with an estimate of her retirement benefits. A mistake was made in calculating Mrs Y’s final pensionable pay which resulted in overstated pension benefits.

  • Misinformation – detrimental reliance

    Mrs E was a member of the NHS Pension Scheme. Between 1997-2009, Mrs E accrued membership within the 1995 section of the Scheme. Following a break in membership, Mrs E re-joined and was told that future membership would accrue within the 2008 section.

  • Non-payment of contributions

    Mrs E’s employer auto-enrolled her into an account with National Employment Savings Trust (NEST). Sometime later, Mrs E checked her account and noticed that contributions had not been made.

  • Overpayment

    Mr F sought help after being told by his pension scheme that he was not entitled to the pension that he had been paid since 2006.

  • Overpayment

    Mr Y transferred out of the Royal Mail Statutory Pension Scheme in 1989, however the respondent continued to send benefit information to him between 1990-2010. Years later, the respondent realised an overpayment had occurred and began steps to recover this.