What's the Pensions Ombudsman?

Understanding the Role of Pensions Ombudsman

The Pensions Ombudsman is an independent office that provides help to people who have been unable to resolve a complaint with their pension provider. The Ombudsman will examine the facts of your case & decide what should happen next. They can also recommend that you take your complaint to the Financial Services Ombudsman or other appropriate body for further consideration.
What's the Pensions Ombudsman

The Pensions Ombudsman

The Pensions Ombudsman is an independent office of the UK government that helps resolve disputes about occupational pensions. The organization was established in 1984 to help with cases where people think they have been unfairly treated by their employer or pension provider and had previously dealt only with workplace final salary schemes.

It has now expanded its remit to cover other types of funded retirement income provision including defined contribution plans and stakeholder pensions as well as individual personal savings accounts (such as ISAs).

Tailored Review of The Pensions Ombudsman

Tailored Review of The Pensions Ombudsman

The Pensions Ombudsman deals with cases which involve pensions, either where the individual was not satisfied with their employer or pension provider’s dealings, when an occupational final salary scheme is being wound-up and they want to know what will happen to their benefits, or when a member of a stakeholder scheme has been treated unfairly.


The organization operates on behalf of members of registered schemes only; there are no provisions for those who have personal savings accounts such as ISAs. What this means is that if you feel your rights under one type of plan have been abused while another type would be protected in some way by law then it may mean that taking your case to court might provide more satisfaction – especially because judges can award damages at any level up to the value of the pension they would have received if their scheme had not been wound up.

Making A Complaint To The Pensions Ombudsman

Think about this for a moment:

A complaint can be made to the Pensions Ombudsman in writing, by phone, or by email. It is free to make a complaint, and you do not have to give your name if you don’t want to. The Ombudsman will ask for some details about your case, which they may need from time to time when looking at it.

Imagine this:

Suppose the person making the complaint has an ongoing relationship with their pension provider. In that case, we will contact them first before deciding whether we should investigate further on behalf of that person’s interests. We might also speak directly to someone who was involved in what happened and get more information this way too.

If somebody complains about how their pension funds are managed, they usually complain through Financial Services Ombudsman.

Who Can File A Complaint to the Pensions Ombudsman

Who Can File A Complaint to the Pensions Ombudsman?

Anyone who has been a member of the scheme for at least three years and had payment stopped or reduced because their employer went insolvent

This is not to say that you have no recourse if your benefits are cut but there will be more steps involved in proving what would happen to your individual rights under different types of pensions. For example, pensioners with personal savings can chose from several legal remedies including suing an employer’s trustees through the courts – and this may well provide better results than complaining about unfair treatment by just one type of organization.

The Difference Between Financial Services Ombudsman and Pensions Ombudsman

There are some significant differences between the two. The Financial Services Ombudsman1 is an independent body that provides a free service for people who have complaints about how their financial services provider has dealt with them – in essence; it handles disputes. This includes issues related to bank account charges and investments; insurance products like mortgages, car or home policies; credit cards or loans.”

On the other hand,

The Pensions Ombudsman2 does not deal with these types of complaints. Still, he only deals with pension complaints explicitly related to occupational schemes – so those provided by employers as opposed to personal pension arrangements.”

The Pensions Ombudsman is an external office that deals with complaints about occupational pension schemes. This comes under the remit of The Pensions Regulator, responsible for overseeing and regulating occupational pension schemes in England, Wales, and Scotland.

Got Questions? Check These First

How do I contact the Pensions Ombudsman?

Who is the current pension ombudsman?

When should one consider getting help from the opposition office of pensions ombudsmen?

What's the pensions ombudsman process?

In conclusion

And that was only the beginning!

As you’ve learned, the Pensions Ombudsman is a good resource for people who are looking to make sure that their employer has been following pension law. If you have any questions about your company’s pension plan or think that they might be violating the rules somehow, contact them and see what help they can provide.

You may even want to use this information as part of an employee training program so everyone understands better how pensions work and their rights when it comes to retirement savings plans.


Your Journey to Financial Success Starts Here