Armed Forces Pension Scheme (PO-12016)

Ombudsman’s Determination

Outcome

I do not uphold Cdr N’s complaint and no further action is required by Veterans UK.

My reasons for reaching this decision are explained in more detail below.

Complaint summary

Cdr N has complained that he was misinformed that his pension benefits would be higher than they are. He says he made the decision to remain in the Armed Forces Pension Scheme 1975, (AFPS 75), and not transfer to the Armed Forces Pension Scheme 2005, (AFPS 05) due to the figures provided on his Personal Benefit Statement, (PBS), and will now be receiving lower benefits on retirement than he could have done if he had opted to transfer to AFPS 05.