Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr T’s complaint against Zurich is that he was not able to purchase an annuity before it withdrew from the annuity market. Mr T accepts that it is no longer possible for him to have an annuity with Zurich, but that due to Zurich’s failings, by the time he had secured an annuity with another provider, his fund value had decreased.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr E complained that the process used by BA to calculate part of his pension under the Scheme was unfair as it had caused him to incur a substantial tax charge that could have been avoided.

Ombudsman’s Determination

Outcome

I do not uphold Miss S’ complaint and no further action is required by TP or DfE.

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

Complaint summary

Miss S’ complaint is that she has been incorrectly refused an ill-health retirement pension (IHRP).

Ombudsman’s Determination

Outcome

I do not uphold Ms S’ complaint and no further action is required by LBM or TP.

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

Complaint summary

Ms S’ complaint is that LBM, your employer, and TP, the Scheme administrator, failed to correctly administer your election to purchase Additional Pension (AP).

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr K’s complaint is that the temporary additional pension awarded to him under the State Spreading Option (SSO), permitted by the Scheme rules, should continue to be paid up to his revised State Pension Age (SPA) of 66 and should not cease at age 65.

Ombudsman’s Determination

Outcome

I do not uphold Mrs W’s complaint and no further action is required by NHSBSA.

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

Complaint summary

Mrs W’s complaint is that NHSBSA incorrectly informed her that she could not retire, and this caused her significant distress and inconvenience.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr Y has complained because he believes Phoenix has failed to apply annual increases to his annuity. He believes he has incurred a financial loss as a result.

Ombudsman’s Determination

Outcome

I do not uphold Ms C’s complaint and no further action is required by NHS BSA.

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

Complaint summary

Ms C’s complaint is that she has been refused ill health early retirement (IHER).

Ombudsman’s Determination

Outcome

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

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

Ombudsman’s Determination

Outcome

I do not uphold Mr E’s complaint and no further action is required by NHS BSA

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

Complaint summary

Mr E has complained that his application for a permanent injury benefit (PIB) has not been considered in a proper manner.