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).

Ombudsman’s Determination

Outcome

Miss D’s complaint against GKN and the Trustee is upheld. GKN shall make its distribution decision afresh and pay Miss D £1,000 for serious non-financial injustice.

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

Complaint summary

Miss D has complained that GKN and/or the Trustee have failed to make a decision concerning the distribution of a lump sum death benefit in a proper manner.

Ombudsman’s Determination

Outcome

Mr D’s complaint against TP 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, TP shall pay Mr D £500 for the significant distress and inconvenience he has suffered.

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

Complaint summary

Mr D has complained that funds from his late father’s pension were paid in full to his sister although he was a joint executor to the estate.

Ombudsman’s Determination

Outcome

Mr S’ complaint against TP 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), TP shall pay Mr S £500, in recognition of the significant distress and inconvenience caused.

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

Complaint summary

Mr S’ complaint is that TP has unfairly deprived him of a spouse’s pension from the Scheme, under regulations that applied to his late wife, Mrs S, from 6 April 1988.

Ombudsman’s Determination

Complaint summary

The Estate’s complaint against the Council is brought by the late Mrs N’s husband, Dr Y. Mrs N had been approved for ill health retirement benefits, however she passed away as an active member of the Scheme shortly before her employment with the Council was terminated. Consequently, a lesser death grant was paid to Dr Y. The complaint concerns the leaving date set by the Council after it awarded Mrs N ill health retirement benefits.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr E is unhappy with HSC’s decision not to award him partner’s pension benefits in respect of his late partner, Ms N.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs N’s complaint is that TP have not re-instated payment of her spouse’s pension from the Scheme following the death of her second husband in August 2016.

Ombudsman’s Determination

Outcome

Mrs D’s complaint is upheld and, to put matters right, Phoenix shall (1) make a fresh decision regarding whom death benefits should be paid to and (2) pay Mrs D £500 in respect of significant distress and inconvenience.

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

Complaint summary

Mrs D’s complaint is about Phoenix’s decision not to pay her death benefits under her late husband’s membership of the Pension and its handling of her enquiries and complaint in relation to this.

Ombudsman’s Determination

Outcome

I do not uphold Mr T’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 T has complained that NHSBSA has failed to give a proper account of its actions and decisions regarding the distribution of the death in service benefit following the death of his brother. Furthermore, there was maladministration:-

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Miss H has complained that the decision by WYPF regarding the distribution of the death grant payable on the death of her mother has not been properly taken.