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LGPS early retirement misstatement: DPO finds no causation, member failed to mitigate; substantive complaint dismissed, £1,000 distress award (Miss D, CAS-58806-H1J6)

Published on: 05 July 2024

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News: Miss D (CAS-58806-H1J6) — 20 February 2024

Summary

The DPO dismissed a complaint about wrong information provided to members on the earliest age a member could retire without an actuarial reduction for taking benefits early. Although the statements were negligent and the complainant acted in good faith, she had not sustained any financial loss. The error was made many years before her retirement, and she should have checked the position when she retired. She also failed to mitigate any loss by choosing a reduced pension then available. This decision is a reminder that members must be able to demonstrate financial loss in a negligent misstatement claim.

What were the facts?

Miss D became a deferred member of the Local Government Pension Scheme (the Scheme) on 29 March 2006. The Scheme wrote to her the following month (April) stating that a full pension would be payable from March 2020 at age 60...

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