Ombudsman’s Determination

Outcome

Mr D’s complaint is upheld and to put matters right Gwent Police Pensions should cease the deduction of Employment and Support Allowance (ESA) from Mr D’s Injury Pension and refund to Mr D all ESA deductions that have been made to date with interest.

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

Complaint summary

Mr D’s complaint is that Gwent Police have deducted ESA from his Injury Pension since November 2011.

Ombudsman’s Determination

Outcome

Mrs N’s complaint is upheld and to put matters right Gwent Police Pensions should cease the deduction of Employment and Support Allowance (ESA) from Mrs N’s Injury Pension and refund to Mrs N all ESA deductions that have been made to date with interest.

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

Complaint summary

Mrs N’s complaint is that Gwent Police have deducted ESA from her Injury Pension since February 2013.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Ms S’ complaint is that RBG provided her with incorrect annual benefit statements over a number of years and she based certain decisions on this misinformation.

Among other things Ms S says:

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr S’ complaint is:

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr Y was provided with incorrect estimates of his pension benefits on 29 August 2012 and 12 January 2014.  These estimates indicated a significant increase in his benefits, compared to those shown on 13 August 2006 and 12 December 2012.

Ombudsman’s Determination

Outcome

I do not uphold Mrs N’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

Mrs N’s complaint is that Teachers’ Pensions failed to complete her application to transfer her benefits to a scheme in New Zealand, by the deadline to do so in April 2015.

Mrs N’s complaint is summarised as follows:

Ombudsman’s Determination

Outcome

1. I do not uphold Mr N’s complaint and no further action is required by Phoenix.
2. My reasons for reaching this decision are explained in more detail below.

Complaint summary

1. Mr N’s complaint against Phoenix is:

• They have failed to comment on the documented and verbal assurances Pearl gave him during 2001/2 when he contacted them regarding their suspension of annual bonus payments for the Plan.
• The High Court ruling on Equitable Life is that the insurer could not reduce t

Ombudsman’s Determination

Outcome

I do not uphold Mr Y’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.

Complaint summary

Mr Y was an associated case linked to the case of PO-6444, which has been determined. Mr Y’s complaint differed slightly because Mr Y left service early due to being made redundant. However the overall theme of his complaint is no different from PO-6444 and as such my overall findings will not differ from PO-6444.

Ombudsman’s Determination

 Complaint summary

Mr S’s complaint against the Council and RCT is about the calculation of his final pensionable pay.

Summary of the Ombudsman’s decision and reasons

The complaint should not be upheld against RCT. However, the complaint should be upheld against the Council but only to the extent of the non-financial injustice suffered by Mr S.

Ombudsman’s Determination

Outcome

I do not uphold Dr A’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

Dr A has complained that the level of pension benefits that he is receiving is less than he was expecting. He relied on the incorrect retirement statements when making a decision to retire and when he discovered that the pension would be less than expected, he had to continue to work for longer than he had planned.