Ombudsman’s Determination

Outcome

I do not uphold Mrs S’ complaint and no further action is required by the Council.

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

Complaint summary

Mrs S’ complaint is that she has been refused Tier 1 ill health early retirement (IHER).

Ombudsman’s Determination

Outcome

I do not uphold Mr S’ complaint and no further action is required by Trustees.

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

Complaint summary

Mr S has complained that his eligibility for Category 2 Incapacity benefits has not been properly considered.

Ombudsman’s Determination

Outcome

I do not uphold Mr N’s complaint and no further action is required by Friends Life

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

Complaint summary

Mr N’s complaint against Friends Life is about its failure to trace him in 2006 when his pension benefits from the Air Holdings Limited 1958 Pension Scheme (the Scheme) matured. Mr N says that as a result he has missed out on ten years of pension benefits and would like to be compensated for this.

Ombudsman’s Determination

Outcome

I do not uphold Mr S’ referral of a reviewable matter and no further action is required by the Board.

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

Application summary

The PPFO has received a reference of a reviewable matter, following a decision by the Board’s Reconsideration Committee dated 15 June 2016. The referral concerns:-

Ombudsman’s Determination

Outcome

I do not uphold Mr N’s complaint and no further action is required by the Company and the Trustee.

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

Complaint summary

Mr N’s complaint against the Company and the Trustee is that his pension from the Plan was reduced by about 40% for early payment, despite his understanding that a pension payable from the Plan on ill health grounds would not be reduced.

Ombudsman’s Determination

Outcome

I do not uphold Mr H’s complaint and no further action is required by LV=.

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

Complaint summary

Mr H has complained that LV= failed to act on his instructions which has led to a financial loss.

Ombudsman’s Determination

Outcome

I do not uphold Mr S’ complaint and no further action is required by the Trustee.

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

Ombudsman’s Determination

Outcome

I do not uphold Mr I’s complaint and no further action is required by Teachers’ Pensions.

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

Complaint summary

Mr I says, following the death of his grandmother, Mrs A, he acted on incorrect information provided by Teachers’ Pensions and personally paid back an amount of overpaid pension. The money should instead have been deducted from the short term pension payable to her spouse.

Ombudsman’s Determination

Outcome

I do not uphold Mr K’s complaint, and no further action is required by HRTL.

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

Complaint summary

Mr K’s complaint is that the Voluntary Early Retirement (VER) element of his pension benefits will not to be paid by the Pension Protection Fund (PPF), despite what he had been told earlier.

Ombudsman’s Determination

Outcome

I do not uphold Mr H’s complaint and no further action is required by NEST.

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

Complaint summary

Mr H has complained that NEST failed to provide information about the restrictions on his ability to opt-out of the Scheme when he was auto-enrolled in July 2013. He subsequently missed the opt-out deadline, and only found out recently that he was unable to transfer his pension to another provider until age 55.