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Firefighters’ allowance is fully pensionable – The case study of Mr T

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Mr T worked for Lancashire Fire and Rescue Service (the Authority). The Authority introduced the Day Crewing Plus (DCP) system as a non-pensionable allowance, equivalent to 32% of basic salary, in April 2010, in agreement with Fire Brigades Union (FBU).

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Contributions not paid to scheme – The case study of Mr Y

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Mr Y complained that PSDT Limited (PSDT) failed to pay all his pension contributions to his pension scheme.

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Overpayment caused by late implementation of Pension Sharing Order – The case study of Mr Y

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Mr Y was a member of the Police Pension Scheme. His pension was overpaid by Devon and Cornwall Police because of the late implementation of a Pension Sharing Order (PSO).

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Incorrect information – The case study of Mr S

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Mr S was consistently told, incorrectly, that he could use his transferred-in Additional Voluntary Contributions (AVCs) to purchase additional pension in the Local Government Pension Scheme (LGPS) when he retired.

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Incorrect benefit statements – The case study of Mr E

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Mr E complained that the BAE Systems Executive Pension Fund Trustees Limited (the Trustee) supplied him with incorrect annual deferred benefit statements between 2015 and 2017.

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No evidence misinformation was relied on – The case study of Mrs K

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Mrs K left the HSBC Bank (UK) Pension Scheme on 17 April 1987. In April 2008, she was incorrectly informed her deferred pension would increase by 3.1% per annum. Mrs K complained to TPO that she relied on the incorrect information not to transfer her deferred pension to her local authority pension scheme.

Mrs K also claimed that from 2004, several statements provided to her incorrectly stated her deferred pension would increase up to retirement.

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Lack of reasoning in ill health retirement decision – The case study of Mrs Y

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Mrs Y applied to Shropshire Fire and Rescue Service (SFRS) for ill health early retirement. This was refused and Mrs Y brought her complaint to TPO.

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Failure to seek clarification on ill health – The case study of Mr N

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In January 2017, Mr N applied to NHS Pensions for early payment of his deferred benefits on the grounds that he was suffering from chronic depression and anxiety. 

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Rate change amendments did not breach subsisting rights or accrued benefits – The case study of Mr R

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Mr R argued that Jaguar Land Rover Trustees Limited cannot make changes to his accrued pension without his consent as these form part of his subsisting rights.

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