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United Kingdom
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Pensions Ombudsman definition

What does Pensions Ombudsman mean? The Pensions Ombudsman investigates and determines complaints about the administration of occupational and personal pension schemes and resolves pension scheme disputes of fact or law between members, trustees, employers and administrators. In Great Britain, this is a statutory ombudsman created by the Pension Schemes Act 1993, s 145 (as amended). It is independent and free to use, and typically requires the scheme’s internal dispute resolution procedure (IDRP) to be tried first. Jurisdiction covers complaints of maladministration causing injustice and disputes between trustees and employers, and between trustees of the same or different schemes. Complainants may include members, prospective members, beneficiaries,...

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Key Pensions Ombudsman decisions and case law to 2017: jurisdiction, remedies, distress awards, ill-health retirement, surplus and procedure (archived)

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Practice notes
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ARCHIVED

This Practice Note has been archived and is not maintained. It examines notable decisions of the Pensions Ombudsman and the courts up to 2017 concerning the Ombudsman’s jurisdiction, remedial powers and various procedural issues, together with the standards applied to ill-health retirement determinations. For additional detail on key themes from recent Pensions Ombudsman determinations—covering interpretation of scheme Rules, the duties of trustees/providers, trustee/provider communications with members, employer duties, Pension Liberation, and the Ombudsman’s role/jurisdiction—see Practice Note: The Pensions Ombudsman—key themes from the determinations. The Pensions Ombudsman’s determinations do not amount to binding precedents, whether for the same Pensions Ombudsman or for his or her successors in office. Nonetheless, they are valuable as guidance. Traditionally, cases are cited by the complainant’s name along with the reference number assigned by the Ombudsman’s office (a letter signifies the year the complaint was received, followed by a unique number allocated to that case)...

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David Gallagher
David Gallagher chambers

David Gallagher is head of the pensions practice at Fieldfisher and advises a wide range of clients - employers large and small, trustees, pension product providers and individuals - on day-to-day pensions matters, scheme restructurings, winding up schemes, investment and litigation issues.Originally qualified as a barrister, David worked in the public sector from 1993 to the end of 1999. He has specialised in pensions law since 1996. David has played a leading role in developing the firm's public sector pensions practice which is now widely recognised as a market leader. He has worked on a number of high profile and sensitive projects for government bodies and he has been at the forefront of developing drafting solutions for the greater protection of public funds on future re-tenders mandated by revised government guidance.David handles all areas of work, from drafting trust deeds and rules for new...

Web page updated on 21/05/2026

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