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Firefighters' Pension Scheme (PO-15170)

Complainant: Mr S
Ref: PO-15170
Outcome: Upheld
Appeal outcome: None
Respondent: Rhondda Cynon Taff (RCT)
South Wales Fire & Rescue Service (SWFRS)
Type: Pension complaint or dispute
Appeal: No

Ombudsman’s Determination


The complaint is upheld against SWFRS because it misinformed Mr S of his entitlement to tax free cash.

Complaint summary

Mr S has complained that he was not informed by either RCT or SWFRS that if he retired from employment as a Wholetime Duty Firefighter (WDF), taking advantage of a protected pension age (PPA), undertaking other linked employment within 30 days of retirement would invalidate the PPA.

As a result, his ongoing employment as a Retained Duty Firefighter (RDF) forfeited his entitlement to a PPA, and the pension payments received up until age 55, were deemed unauthorised payments, and subject to unauthorised payment tax charges.

View determination


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