NHS Pension Scheme (PO-20425)
Ombudsman’s Determination
Outcome
I do not uphold Mrs N’s complaint and no further action is required by NHS Pensions.
My reasons for reaching this decision are explained in more detail below.
Complaint summary
Mrs N believed that she was a member of the Scheme between 1992 and 1997, but later discovered that no pension contributions were paid by her former NHS employer. Mrs N says that she did not opt out of the Scheme in 1992, and consequently can no longer afford to retire early due to her missing membership.
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