We use some essential cookies to make this website work.

We’d like to set additional cookies to understand how you use our website, remember your settings and improve our services.

Before deciding you can read more about our cookies.

HSBC Bank (UK) Pension Scheme (CAS-56218-Q3X8)

Complainant: Mrs S
Complaint Topic: Interpretation of scheme rules/policy terms
Ref: CAS-56218-Q3X8
Outcome: Not upheld
Appeal outcome: None
Respondent: ​​HSBC Bank Pension Trust (UK) Limited​
Willis Towers Watson
Type: Pension complaint or dispute
Date:
Appeal: No

Ombudsman’s Determination

Outcome

I do not uphold Mrs S’ complaint and no further action is required by ​the Trustee or WTW. ​  

Complaint summary

Mrs S complained that she received a married woman’s gratuity (the gratuity) in 1972 which extinguished her accrued pension benefits. Mrs S said that she was not informed at the time that there would be an impact on her future pension.  

Mrs S has been offered an Equivalent Pension Benefit (EPB) rather than a deferred pension. Mrs S said that this is unfair and is indirect discrimination under the Equality Act 2010.

View determination

Download

Related decisions

  • Universities Superannuation Scheme (CAS-53519-W5N0)
    Complainant: Mrs N
    Respondent: Universities Superannuation Scheme Ltd
    Outcome: Partly upheld
    Complaint Topic: Interpretation of scheme rules/policy terms
    Ref: CAS-53519-W5N0
    Date:
  • DHL Group Retirement Plan (CAS-80781-Z8X0)
    Complainant: Mr D
    Respondent: DHL Pensions
    DHL Trustees Limited
    Outcome: Not upheld
    Complaint Topic: Interpretation of scheme rules/policy terms
    Ref: CAS-80781-Z8X0
    Date:
View all decisions