Ombudsman’s Determination and reasons

I agree that part of Mrs M’s complaint against NHS Pensions should be upheld, but there is a part of the complaint I do not agree with. The complaint is partly upheld and to put matters right NHS Pensions should pay Mrs M £500 for the distress and inconvenience caused by their maladministration.

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

Complaint summary

Mrs M has complained that NHS Pensions issued an incorrect retirement estimate and she decided to retire based on the incorrect figures .

Outcome:

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

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

Complaint summary

Mr A’s complaint, which is against Aegon, is that he was provided with an incorrect illustration of his benefits in 2009 (the Illustration) and they did not inform him that the employer contribution was wrong. It was not until 2014 when he queried the Illustration, that he was informed that an error had been made.

Ombudsman’s Determination

Outcome

I do not uphold Mr E’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

Mr E has complained that the pension estimates provided by the Council did not make it clear that the late retirement enhancement percentages could change.

Ombudsman’s Determination

Outcome

Mr Y’s complaint is upheld. To put matters right Aegon should calculate the notional values of Mr Y’s funds, in accordance with the directions at the end of this Determination, and pay the difference between these values and the actual values paid.

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

Ombudsman’s Determination

Outcome

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

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

Ombudsman’s Determination

Outcome

I do not uphold Mrs 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

Mrs E says that she was not given any pension information when she rejoined the Scheme in 1996.

Mrs E has also complained that in 1997 she was incorrectly told by the local NHS Pensions Officer (the Officer) that she was ineligible to buy additional years of pensionable service.

Ombudsman’s Determination

Outcome

I do not uphold Mrs 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 S’ complaint against NHSBSA is about the incorrect pension quotations she received in 2012 and 2014, and the fact that her pension is now significantly lower than she had expected. Mrs S would like to receive more compensation than the £1,000 offered by NHSBSA for its maladministration.

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.

Complaint summary

Mr N has complained that Zurich is not paying increases on the pre-1988 element of his Guaranteed Minimum Pension (GMP), even though he is not receiving these increases from the State.

Ombudsman’s Determination

Outcome

I do not uphold Mr N’s complaint and no further action is required by HMRC, the employer, MyCSP, the PCSPS administrators, and TPSE, the managers of the PCSPS.

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

Complaint summary

Mr N complains that his finalised PCSPS benefits were incorrect as a wrong pensionable salary was used in the calculations.

Ombudsman’s Determination

Outcome

Mr W’s complaint against Scottish Widows is partly upheld. To put matters right, (for the part that is upheld), Scottish Widows should pay Mr W £500 compensation for the significant distress and inconvenience caused to him by their admitted failings in this case.

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