A moral duty to inform?

Jason Shaw

Deciding whether, or how much, information to provide to members/employees can be a difficult call for employers and trustees – in some cases there is a clear legal requirement to provide the information, but what if there isn’t? In this context, the dismissal of a recent Pensions Ombudsman complaint about a failure to inform members Read More

Information for vulnerable members – what to do?

Jason Shaw

One question that employers and trustees frequently ask is how far they have to go in providing information or assistance to employees/members, especially as the consequences of a wrong approach can be costly. The answer isn’t always clear, but the Pensions Ombudsman has repeatedly held that where a member is particularly vulnerable – for example Read More

Hope for scam victims; concern for pension schemes?

Helen Powell

A new pension liberation case has hit the headlines, after the Pensions Ombudsman (TPO) found that the authority managing the Police Pension Scheme could not rely on a statutory discharge following a transfer, because it had failed to perform adequate scam checks on the proposed receiving scheme and failed to give the member the Regulator’s Read More

GMPs – to equalise or not to equalise: that is the question…

Harpreet Boora

Now that the High Court hearing is over, what was it about and what can pension scheme trustees be doing in preparation if the High Court rules that some of the Lloyds Banking Group defined benefit pension schemes need to equalise overall scheme benefits for the effects of unequal GMPs? Read More

Auto-enrolment and the ban on inducing opt-outs – what is your ‘sole or main purpose’?

Helen Powell

One of the questions that comes up most frequently in relation to auto-enrolment is whether proposed action by an employer might breach the ban on inducing workers to opt out of pension saving. This comes up in the context of employers wanting to offer flexible benefit arrangements, so that workers can arrange particular elements of Read More