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HSBC Bank (UK) Pension Scheme (CAS-56218-Q3X8)

Complainant: Mrs S
Complaint Topic: Interpretation of scheme rules/policy terms
Ref: CAS-56218-Q3X8
Outcome: Not upheld
Appeal outcome: None
Respondent: ​​HSBC Bank Pension Trust (UK) Limited​
Willis Towers Watson
Type: Pension complaint or dispute
Date:
Appeal: No

Ombudsman’s Determination

Outcome

I do not uphold Mrs S’ complaint and no further action is required by ​the Trustee or WTW. ​  

Complaint summary

Mrs S complained that she received a married woman’s gratuity (the gratuity) in 1972 which extinguished her accrued pension benefits. Mrs S said that she was not informed at the time that there would be an impact on her future pension.  

Mrs S has been offered an Equivalent Pension Benefit (EPB) rather than a deferred pension. Mrs S said that this is unfair and is indirect discrimination under the Equality Act 2010.

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