1. THE PENSIONS ADVISORY SERVICE 09 December 2009 Tony Attubato Technical Manager

3. What is TPAS? Founded in 1983 as the Occupational Pensions Advisory Service (OPAS) Voluntary organisation Government funded from 1990 Changed name from OPAS to The Pensions Advisory Service (TPAS)

4. TPAS’ Service Information & Guidance Dispute Resolution Talks in the Workplace

5. TPAS Voluntary service Approx 450 volunteers Involved with all aspects of our service

6. Dispute Resolution

7. What do people complain about?

8. Dispute Resolution Independent Involvement usually welcomed by all parties Conciliate and mediate No statutory powers Solution not binding

9. Mistakes… Incorrect information Overpayments

10. Change of Position Change of position is a defence to a claim in unjust enrichment, or for a restitution. Ordinarily, someone who has been unjustly enriched at the expense of another is strictly liable to discharge his gains. However, a “change of position” defence operates where it would be inequitable to compel him to make restitution. - Wikipedia

11. Change of Position – Step 1 Should the member have known?

12. Change of Position – Step 2 Direct reliance?

13. Change of Position – Step 3 Mitigation

14. Compensation… Overcome financial loss directly caused by a mistake Westminster CC v Haywood [1998] Distress and inconvenience

15. Ill-health retirement…

16. We can’t… Advise whether or not the medical evidence is sufficient Advise whether or not a pension should be paid We are not medical experts!

17. Ill-health retirement… Where can we help? The decision-making process Edge & others v Pensions Ombudsman and another –adopt a correct construction of the scheme rules –the decision maker must ask the right questions –only take account of relevant factors & ignore irrelevant factors –not make a perverse decision

18. Ill-health retirement… Mrs Cotton is aged 55 Suffering from stress, anxiety, depression Applies for ill-health retirement Application refused because there are treatment options available.

19. Ill-health retirement… Will treatment likely help Mrs C return to work? Otherwise, the fact there are treatment options available may be irrelevant

20. Ill-health retirement… Tancred v the Department for Education & Skills Round 1 (N00507)

21. Ill-health retirement… Tancred v the Department for Education & Skills Round 2 (P01315)

22. Ill-health retirement… Tancred v the Department for Children, Schools & Families Round 3 (16364/4)

23. Death benefit complaints…

24. Where can we help? The decision-making process Edge & others v Pensions Ombudsman and another –adopt a correct construction of the scheme rules –the decision maker must ask the right questions –only take account of relevant factors & ignore irrelevant factors –not make a perverse decision

25. Death benefit complaints… Miss C B – fiancée of Mr B Miss S B – daughter of Mr B Will dated 6/97 pension rights to be paid to Miss S B Nomination form dated 9/97 death grant should be paid to Miss C B Mr B died 4 January 2000 Death grant paid to Miss S B

26. Death benefit complaints… What are the rules? Could Miss S B receive any benefit? Had the Council misapplied their rules? Have only relevant factors been taken account of? Have the right questions been asked? Was the decision perverse?

27. Death benefit complaints… 1997 - Mr Mc completes expression of wish form nominating his two grown-up sons as beneficiaries 2006 – Mr Mc dies Insurer decides to pay 50% to Mrs Mc and 25% each to the sons

28. Death benefit complaints… Insurer – it was a reasonable decision Ombudsman – no evidence of what was taken into account “all they can reasonable say is that the decision they reached is one that may be reasonable.” Directed the insurer to obtain all material evidence, take a fresh decision and give reasons to the affected persons

29. Thank you for listening