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Monsanto Pension Plan (CAS-53961-Q2N6)

Complainant: Mrs Y
Complaint Topic: Misquote/misinformation
Ref: CAS-53961-Q2N6
Outcome: Not upheld
Respondent: Law Debenture (the Trustee)
Capita Employee Benefits (Capita)
Type: Pension complaint or dispute
Appeal: No

Ombudsman’s Determination


I do not uphold Mrs Y’s complaint and no further action is required by the Trustee or Capita.

Complaint summary

Mrs Y has complained:-

  • About the way her benefits were commuted to provide her with a Pension Commencement Lump Sum (PCLS). Mrs Y asserts that she has suffered a financial loss because the element of her pension that is subject to increases in payment was commuted first to provide the PCLS.

  • That she was provided with incorrect information prior to her retirement, which led her to choose a retirement option that has resulted in her being financially disadvantaged in retirement.

View determination


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