Ombudsman’s Determination

Outcome

Mrs Y’s complaint is upheld and to put matters right SFRS shall reconsider Mrs Y’s application for an ill health retirement pension (IHRP).

Complaint summary

Mrs Y’s complaint concerns SFRS’ decision not to award her an IHRP from active status.

Ombudsman’s Determination

Complaint summary

Mr R’s complaint concerns the Trustee’s decision to change the index used to calculate annual increases on his Scheme benefits.

On 29 September 2016, the Trustee announced that it intended to increase Scheme benefits annually going forward based on the consumer prices index (CPI), rather than the more favourable retail prices index (RPI). The consequence of the change of index is that Mr R’s annual pension increase is likely to be lower.

Ombudsman’s Determination

Complaint summary

Mr T has complained that the Trustees have refused to commute all, or part, of his pension for a Tax Free Cash lump sum (TFCLS) at age 60, the Scheme’s normal retirement age (NRA).

Ombudsman’s Determination

Complaint Summary

Mr Y complains that RMSPS MT is improperly refusing to pay a full deferred pension to him on retirement from the RMSPS. He says that RMSPS MT is only prepared to pay him the Guaranteed Minimum Pension (GMP) which he accrued in the RMSPS from March 1979 to April 1986 as notified by HMRC National Insurance Contributions Office (NICO) during a GMP reconciliation exercise.

Ombudsman’s Determination

Outcome

Mrs N’s complaint is upheld and to put matters right the Trustee shall reinstate her to the Scheme.

Complaint summary

Mrs N has complained that the pension benefits accrued whilst she was a member of the Scheme have gone missing.

Ombudsman’s Determination

Outcome

Mr N’s complaint is upheld and to put matters right Police Scotland shall pay him any arrears of pension to which he is entitled on the assumption he took late retirement on 23 June 2017; together with interest at the base bank rate for the time being quoted by the Bank of England for the period from 23 June 2017, to the date of payment inclusive; and £2,000 for the severe distress and inconvenience he has experienced.

Ombudsman’s Determination

Outcome

Mrs E’s complaint is upheld and, to put matters right, the Employer shall pay any missing contributions, in respect of her period employment with it, into her NEST account; redress her for investment loss resulting from late payment of contributions; and, pay her £1,000 to recognise the serious distress and inconvenience caused.

Complaint summary

Mrs E’s complaint against the Employer is about its repeated failure, since April 2018, to correctly pay pension contributions on her behalf to her auto-enrolment with NEST.

Ombudsman’s Determination

Outcome

Mrs T’s complaint is upheld and to put matters right the Cabinet Office shall notify Mrs T of its decision to waive the revised debt.

Complaint summary

Mrs T’s complaint concerns an overpayment of injury benefit amounting to £4,104.81.

Ombudsman’s Determination

Outcome

Mrs E’s complaint against NHS BSA is upheld and, to put matters right, NHS BSA shall, within 28 days of the date of this Determination, reconsider Mrs E’s eligibility for Special Class Status (SCS). This is because there are flaws in NHS BSA’s decision making process; that is:

Ombudsman’s Determination

Outcome

Ms O’s complaint is upheld and to put matters right the Trustee shall review its decision not to agree to Ms O’s application for augmentation of her early retirement pension. It shall also pay Ms O £500 for the significant distress and inconvenience which she has suffered.