The Pensions Ombudsman is an independent statutory body that provides a free and impartial service for the investigation and determination of complaints of maladministration and disputes of fact or law concerning occupational and personal pension schemes. As such the Pensions Ombudsman determines disputes by exercising statutory adjudicative powers rather than by regulating pension schemes. Its determinations are binding unless successfully appealed.
The Pensions Ombudsman operates as a single organisation incorporating both the Pensions Ombudsman and the Pension Protection Fund Ombudsman functions. The Pension Protection Fund Ombudsman determines complaints and reviewable matters relating to the Pension Protection Fund, and hears appeals concerning decisions made by it in its capacity as manager of the Financial Assistance Scheme.
The determinations of the Pensions Ombudsman and the Pension Protection Fund Ombudsman are final, legally binding and enforceable in court.
The Pensions Ombudsman also offers an informal resolution service (led by its Resolution Team) as well as an adjudication service. Most complaints are initially considered by the Resolution Team, which seeks to resolve disputes informally where appropriate before...
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