Ombudsman’s Determination

Outcome

Miss S’s complaint is upheld and, to put matters right, the NCA shall reconsider her application for ill health retirement benefits.

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

Complaint summary

Miss S’s complaint about the NCA, her former employer, is it has refused to award her an “in service” ill health pension from 30 September 2015.

Ombudsman’s Determination

Outcome

Dr G’s complaint is upheld and to put matters right, AJ Bell shall reconsider its decision as to the distribution of death benefits under the Plan.

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

Complaint summary

Dr G has complained about AJ Bell’s decision not to award her any benefits under their discretionary powers in the matter of distributing death benefits from her late partner’s pension plan.

Ombudsman’s Determination

Complaint summary

Miss A has complained that the Trustees failed to properly consider her rights, and those of her sisters, when exercising discretion in relation to the Scheme death benefits following the death of their father (Mr M).Complaint Summary

Ombudsman’s Determination

Complaint Summary

This complaint, which the widow of Mr R (Mrs R) brings in her capacity as an executor of the Estate, concerns the lack of information provided to Mr R in relation to benefits under the Scheme.

In summary, Mrs R’s complaint is that the Administrator, acting on behalf of the Trustees, failed to inform Mr R during his terminal illness that the benefits payable to the Estate, and to her as his widow, would be considerably lower if they were not taken during Mr R’s lifetime.

Ombudsman’s Determination

Outcome

Mrs I’s complaint is upheld and to put matters right NHSBSA should re-assess whether Mrs I is eligible for Mental Health Officer (MHO) status.

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

Complaint summary

Mrs I has complained that NHSBSA have refused to award her MHO status for her period of service from 1989 to present. This means that if she chooses to retire at age 55, she will be subject to early retirement reductions.

Ombudsman’s Determination

Outcome

Ms R’s complaint is upheld and to put matters right Mr White shall within 14 days provide proof of the investment in the Bitcoin Store or confirm the location and value of Ms R’s original investment. Mr White shall also pay Ms R £3,000 in recognition of the exceptional distress and inconvenience she has suffered.

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

Ombudsman’s Determination

Complaint Summary

Mr N has complained that the Authority transferred his pension fund to a new pension scheme without having conducted adequate checks in relation to the receiving scheme, and failed to provide him with a sufficient warning as required by the Pensions Regulator. Mr N is concerned that his entire pension fund may have been lost or misappropriated.

Summary of the Ombudsman’s Determination and reasons

The complaint is upheld against the Authority because it failed:

Ombudsman’s Determination

Complaint Summary

Mr N has complained that his application for the early payment of his benefits on the grounds of ill health has not been considered in a proper manner.

Summary of the Ombudsman’s Determination and reasons

The complaint is upheld against Veterans UK because it has failed to consider Mr N’s application for the early payment of his benefits in a proper manner. It has failed to put forward appropriate evidence and reasoning to support its decision to decline Mr N’s application.

Ombudsman’s Determination

Complaint Summary

Mrs Y, as the administrator of the late Mr Y’s Estate, has complained about the Council’s handling of Mr Y’s retirement. Mrs Y considers that the Council had reason to bring forward Mr Y’s retirement date and had it done so he would have passed away having retired. Consequently, the death benefits paid out by the Scheme would have been greater.

Summary of the Ombudsman’s Determination and reasons

The complaint should be upheld against the Council because:-

Ombudsman’s Determination

Outcome

Mr T’s complaint is upheld and to put matters right the Trustees should sign the necessary paperwork to allow Mr T to access his benefits, pay interest on any late payment of benefits and pay Mr T £500 to recognise his distress and inconvenience.

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

Complaint summary

Mr T’s complaint is that the Trustees are refusing to sign paperwork that will allow him access to his benefits from the Scheme.