Ombudsman’s Determination

Outcome

I do not uphold Mrs L’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

Mrs L is unhappy with the Trustees’ decision regarding who should receive Mr L’s lump sum death benefit and active retirement account benefits.

Ombudsman’s Determination

Outcome

Dr G’s complaint is upheld and to put matters right, AJ Bell shall reconsider its decision as to the distribution of death benefits under the Plan.

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

Complaint summary

Dr G has complained about AJ Bell’s decision not to award her any benefits under their discretionary powers in the matter of distributing death benefits from her late partner’s pension plan.

Ombudsman’s Determination

Complaint summary

Miss A has complained that the Trustees failed to properly consider her rights, and those of her sisters, when exercising discretion in relation to the Scheme death benefits following the death of their father (Mr M).Complaint Summary

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs S’ complaint concerns the payment of her late husband’s death benefits. She is dissatisfied that Veterans UK paid the death benefits to her late husband’s friend instead of using its discretion to pay her the benefits.

Ombudsman’s Determination

Outcome

I do not uphold the Executor’s complaint and no further action is required by Sippchoice Limited

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

Ombudsman’s Determination

Complaint Summary

Mrs Y, as the administrator of the late Mr Y’s Estate, has complained about the Council’s handling of Mr Y’s retirement. Mrs Y considers that the Council had reason to bring forward Mr Y’s retirement date and had it done so he would have passed away having retired. Consequently, the death benefits paid out by the Scheme would have been greater.

Summary of the Ombudsman’s Determination and reasons

The complaint should be upheld against the Council because:-

Ombudsman’s Determination

Outcome

Mr T’s complaint is upheld and to put matters right the Trustees should sign the necessary paperwork to allow Mr T to access his benefits, pay interest on any late payment of benefits and pay Mr T £500 to recognise his distress and inconvenience.

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

Complaint summary

Mr T’s complaint is that the Trustees are refusing to sign paperwork that will allow him access to his benefits from the Scheme.

Ombudsman’s Determination

Complaint Summary

Mrs S’ complaint is about the Trustees’ decision not to pay her a benefit from the Scheme following the death of her husband. The Trustees’ decision is to pay the death in service lump sum to her children, along with the dependent’s pension.  While Mrs S does not dispute the decision to pay the benefits to her children, she is claiming that she should have received part of the death benefit to assist her in paying off Mr S’ debts and his share of their joint mortgage.

Ombudsman’s Determination

Complaint Summary

Mr S’ complaint concerns Royal London’s decision not to exercise discretion in relation to the lump sum death benefit arising on his son’s death.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs F is unhappy with the Trustee’s decision in relation to the distribution of the late Mr F’s lump sum death benefits under the Plan.