Alba Life Personal Pension Scheme (PO-2931)
Complainant: Mr Christopher Brown and Mr Andrew Maybery (Joint Trustees in Bankruptcy of
the late Mr S Elsworth)
the late Mr S Elsworth)
Complaint Topic: Death benefits
Ref: PO-2931
Outcome: Upheld
Respondent: Phoenix Life Limited
Type: Pension complaint or dispute
Date:
Complaint summary
The complaint brought by the Applicants against Phoenix Life Limited is that they have incorrectly paid out the death benefit that was payable under the Scheme to the wrong party.
Summary of the Ombudsman’s determination and reasons
The death benefits payable on Mr Elsworth’s death are to be paid in accordance with the rules of the Scheme; they are not payable as of right to the Joint Trustees in Bankruptcy. Even so, the complaint should be upheld against Phoenix Life Limited to the extent that the correct decision-maker, in accordance with its own procedures, has yet to make a decision.
View determination
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