Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs H’s complaint is about how the Fund distributed the death grant payable on the death of her husband Mr H, and the level of service that she received from the Fund.

Ombudsman’s Determination

Outcome

I do not uphold Mr S’ complaint and no further action is required by TP.

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

Complaint summary

Mr S is complaining that TP is acting unfairly in refusing to award him a dependent’s pension from the Scheme, following the death of his partner, Ms N, in October 2017.

Ombudsman’s Determination

Outcome

I do not uphold Mr N’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

Mr N’s complaint against NHS BSA is about its decision to award him death in service benefits from deferred service, rather than pensionable service.

Ombudsman’s Determination

Outcome

I do not uphold Mr Y’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

Mr Y has complained that the Trustees have declined to award him a pension on the death of his civil partner.

Ombudsman’s Determination

Outcome

I do not uphold Mrs L’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 L’s complaint is about the payment of death benefits under the Plan of her late husband, Mr L, who passed away on 13 December 2016. She disagrees with the Trustee’s decision not to pay the death benefits to her.

Ombudsman’s Determination

Outcome

Miss D’s complaint is upheld and to put matters right, Mr SD shall (1) make a fresh decision in relation to distribution of death benefits under the Scheme and (2) pay Miss D £500 in respect of significant distress and inconvenience.

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

Ombudsman’s Determination

Outcome

I do not uphold Mrs T’s complaint and no further action is required by Turning Point Scotland or Kerr Henderson (Financial Services) Limited.

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

Complaint summary

The complaint has been brought on behalf of the late Mr T’s estate. The complaint is that Mr T was not warned that taking his pension would reduce the level of life cover payable on his death.

Ombudsman’s Determination

Outcome

Miss S’s complaint is upheld, and to put matters right Isure shall pay Miss S the lump sum death benefit arising under the Scheme in respect of the late Miss N, and also pay Miss S £1,000 for her serious distress and inconvenience. Isure shall also reimburse Miss S for any tax charge she may incur because of late payment.

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

Ombudsman’s Determination

Outcome

I do not uphold Miss Y’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

Miss Y’s complaint concerns the Trustee’s decision not to award her a dependant’s pension following her uncle’s death.

Ombudsman’s Determination

Outcome

I do not uphold Miss R’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

Miss R is unhappy with the Trustee’s decision not to award her pension death benefits even though her late father, Mr R nominated her as a sole beneficiary in the Expression of Wish Form (the Form).