Firefighters RDS modified scheme
Appeals & complaints
The Pensions Advisory Service ("TPAS")
TPAS is an independent voluntary organisation which provides information and guidance on pension matters. They are available at any time to assist occupational pension scheme members and beneficiaries in connection with any pension query they may have or any difficulty which they have failed to resolve with pension scheme administrators. Their service is free. TPAS cannot enforce pensions action but, if felt appropriate, could recommend a person to put his/her case to the Pensions Ombudsman. They can be contacted at:
The Pensions Advisory Service,
11, Belgrave Road,
London, SW1V 1RB
Telephone helpline: 0300 123 1047
The Pension Ombudsman
The Pensions Ombudsman can investigate a pension scheme member's complaint of maladministration or a dispute of fact or law between a scheme member and pension scheme managers or employer. However, the Ombudsman cannot help if court proceedings have begun in respect of the dispute, under any of the FBS rules (1992/2006 or 2015).
The Ombudsman will expect the case to have first been put through Internal Dispute Resolution Procedures. Also, a complainant who writes to the Ombudsman direct will normally be requested to have the case dealt with initially by The Pensions Advisory Service.
The Pensions Ombudsman can be contacted at:
The Office of the Pensions Ombudsman,
11 Belgrave Road,
London, SW1V 1RB
Telephone: 020 7630 2200
The Pension Regulator
The Pensions Regulator is a regulatory body which came into existence on 6 April 2005 having been set up under the Pensions Act 2004 (replacing the earlier Occupational Pensions Regulatory Authority). It ensures that pension scheme members' interests are protected and that schemes comply with the law.
For example, the Public Service Pensions Act 2013 includes requirements for the governance and administration of public service schemes (including FPS 1992, 2006 and 2015), and for oversight by The Pensions Regulator. Fire and rescue authorities must comply with The Pension Regulator's Code of Practice No.14 which sets out a framework for governance and administration.
At central level there must be a Scheme Advisory Board and at local level a Pension Board with responsibility for assisting the authority ("scheme manager") to comply with Scheme regulations and other legislation relating to the governance of the Scheme.
The Local Pension Board must have an equal number of employee and employer representatives, a minimum of 4 in total, 2 from each side. They must be conversant with the Scheme rules and have an understanding of the law relating to pensions. It is not a decision-making board although it can review decisions made under the Scheme rules.
At the time of writing this guide, some of the Pensions Regulator's requirements for the Firefighters' Pension Schemes are still in draft form, but your fire and rescue authority can keep you informed about local arrangements
The Pensions Regulator deals with issues about pension schemes as a whole. It does not deal with queries about an individual’s pension benefits but recommends that a person seeking free information and advice on all types of pensions should approach The Pensions Advisory Service.