Ombudsman’s Determination

Outcome

Mrs S’ complaint against the Trustee is partly upheld, but there is a part of the complaint I do not agree with. To put matters right (for the part that is upheld), the Trustee should pay Mrs S the total sum of £1,000 for the distress and inconvenience caused by the incorrect information given to her and her late husband.

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

Ombudsman’s Determination

Outcome

I partially uphold Mrs E’s complaint and direct Friends Life to pay her £500 in respect of the significant distress and inconvenience she has suffered.

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

Ombudsman’s Determination

Outcome

I do not uphold Mr C’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 C’s complaint is about the way in which the Trustee of the Scheme has distributed the lump sum death benefits arising on the death of Mr P, his uncle.

Ombudsman’s Determination

Outcome

I do not uphold Mrs E’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

Mrs E’s complaint is about the way in which the Trustee of the Scheme has distributed the lump sum death benefits arising on the death of Mr P, her brother.

Ombudsman’s Determination

Outcome

I do not uphold Mr E’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 E’s complaint is about the way in which the Trustee of the Scheme has distributed the lump sum death benefits arising on the death of Mr P, his uncle.

Ombudsman’s Determination

Outcome

I do not uphold Ms 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

Ms Y complains about the refusal of NHSBSA to award her a pension and a lump sum from the Scheme following the death of her brother (Dr Y).

Ombudsman’s Determination

Outcome

I do not uphold Ms D’s complaint and no further action is required by the Trustees.

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

Complaint summary

Ms D has complained that the Trustees have not correctly considered the apportionment of Mr E’s death in service lump sum (the lump sum).  Ms D feels that the Trustees have not put enough weight upon her dependency on Mr E, her relationship with Mr E, the nomination form, or her ill health.

Ombudsman’s Determination

Outcome

I do not uphold Mrs L’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

Mrs L’s complaint is that she disagrees with the decision of Friends Life that she is not entitled to a spouse’s pension under her late husband’s annuity.

Ombudsman’s Determination

Outcome

I do not uphold Mr N’s complaint and no further action is required by the Council of Reserve Forces’ and Cadets’ Associations Pension Scheme.

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

Complaint summary

Mr N has complained that following his wife’s death, he has not been paid a lump sum from the Scheme, and will only receive a spouse’s pension.

Ombudsman’s Determination

Outcome

I do not uphold Ms E’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

Ms E’s complaint is about the payment of death benefits under the Scheme in respect of her late brother, Mr E, who passed away in October 2015. She does not agree with the Trustee’s decision to pay all of the death benefits to Mr N, who was a friend and work colleague of Mr E.