Police Pension Scheme: what to do if you have a dispute

Internal dispute resolution procedure (IDRP)

The internal dispute resolution procedure (IDRP) is available to all members of occupational pension schemes or their dependents. It offers a means of formally raising, and hopefully resolving, grievances about the way in which their pension rights have been managed.

How does IDRP apply to police officers?

If you have a complaint about the Police Pension Scheme, other than the exceptions listed below, and are a person who comes within the categories of people listed in the next paragraph, the Pension Act 1995 give you the right to have the complaint considered and decided and to receive a written explanation of the decision.

Who can make a complaint under IDRP?

The following persons can use IDRP:

Active, deferred and pensioner members of PPS 1987, 2006 or 2015 schemes, Police (Injury Benefit) Regulations 2006 or
Widows, widowers, surviving dependents or non-dependent beneficiaries of deceased PPS members.
Prospective members of the PPS, such as persons who under their contract of employment can or will become members.
Pension credit members, such as ex-spouses of police officers with pension rights under the PPS granted a pension by a pension sharing order made on divorce or annulment of marriage.
Persons who ceased to be within any of the categories (a) to (d) within six months before the date of any application under IDRP
Persons whose claims to be in one of the categories (a) to (e) above are the subject to the dispute.

The application can be made by:

the applicant in person or by a nominated representative
personal representatives where the person has died
a member of the person’s family or some other suitable representative in the case of a minor or a person incapable of acting for him or herself

Submit an application under the internal dispute resolution procedure

IDRP exclusions

Regulation H2 of the Police Pensions Regulations 1987 (appeal to board of medical referees).
Regulation 72 of the Police Pensions Regulations 2006 (appeal to board of medical referees).
Regulation 40 of the Police Pensions Regulations 2015 (appeal against selected medical practitioner’s report).
Regulation 31 of the Police (Injury Benefit) Regulations 2006 (appeal to board of medical referees).

Appeals under the above Regulations together with appeals in which court or tribunal proceedings have begun or have been referred to the Pensions Ombudsman are specifically excluded from this process.

The IDRP procedure allows a person to make an application to have a decision regarding pension rights reconsidered.

There are two stages to the process, a person dissatisfied with a decision made at Stage One can move onto Stage Two for further reconsideration.

IDRP Stage One

Your Stage One application for a decision in respect of a disagreement must be given in writing
and must contain all the information required by the IDRP Regulations.

Your Stage One application should be made within 28 days from the date when you were notified of the decision.

To help you with this an application form is available for you to complete. If you supply all the information prompted by the form, then you will have complied with the Regulations.

When you (or your representative if you prefer) have completed the form, it should be signed and sent, with any relevant attachments (i.e. any documents which you believe may support your case) to the address at the bottom of the application form.

To comply with the IDRP Regulations, the specified person for your authority will, in writing:

acknowledge receipt of your Stage One application for a decision
state that they intend to make a decision on the matters raised by your application within 2 months from the date the application was received
explain that if they cannot give a decision within 2 months, they will send you (and/or your representative) an interim reply setting out the reasons for the delay and the expected date for the issue of a decision
gather such facts and evidence as felt appropriate to give a fair decision in respect of your grievance

Having considered the case and arrived at a decision, the specified person will give you that decision in writing.

The decision will refer to any legislation, including Police Pension Scheme Regulations, relied upon for the decision.

If a discretion allowed by the PPS has been exercised, there will be reference to this and to the provisions of the PPS which allow the discretion. It will also confirm your right to continue to stage two of the IDRP if you remain dissatisfied.

There will also be contact details for The Pensions Ombudsman who is available to assist members and beneficiaries of the Scheme in connection with any difficulty with the Scheme which remains unresolved.

This concludes stage one of the IDRP process.

IDRP Stage Two

If you remain dissatisfied after you have received the decision of the adjudicator of your authority, you have six months from the receipt of that decision to apply for a reconsideration of the disagreement under Stage Two of the IDRP process.

Your Stage Two application, like the Stage One, must be given in writing and must contain all the information required by the IDRP Regulations. An application form is available for you to complete. If you supply all the information prompted by this form, then you will have complied with the Regulations.

The form should be signed and sent with:

a copy of the Stage One decision made by the specified person
any documents you believe relevant and which may support your case

This person, on behalf of the Police Pension Authority, will, in writing:

acknowledge receipt of your Stage Two application for reconsideration of the specified person’s decision
tell you that they will consider your application for the issue of a decision on the matters raised by your application within 2 months from the date your application was received
explain that if they cannot give a decision within 2 months they will send you (and/or your representative) an interim reply setting out the reasons for the delay and the expected date for the issue of a decision

The Police Pension Authority will consider the case and arrive at their decision. This will be set out in a letter to you, giving details of the decision and an explanation as to whether, and if so to what extent, that decision either confirms or replaces the decision made by the adjudicator at Stage One.

As with the Stage One decision, the Stage Two decision will include a reference to any legislation, including the relevant Police Pension Scheme regulations, relied upon for the decision. If a discretion allowed by the PPS has been exercised there will be a reference to this and to the provisions of the Scheme will allow the discretion.

The notice of decision will also include details of the Pensions Ombudsman who can investigate and determine any complaint or dispute of fact or law in relation to the pension scheme.

This completes Stage Two of the IDRP process.

If you wish to find out your Police Pension Authority’s specified person please contact us and we will be happy to let you know.

If you remain dissatisfied following the completion of Stage Two of the IDRP process you may wish to consider contacting The Pensions Ombudsman – details below.

The Pensions 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 the pension scheme managers or employer.

However, the Ombudsman cannot help if court proceedings have begun and will normally expect the case to have first been put through Internal Dispute Resolution Procedures.

Also, a complainant who writes to the Ombudsman directly will usually be requested to have the case dealt with first by the Money and Pensions Service. You should normally contact the Ombudsman within 3 years of the act or omission that you are complaining about or disputing although he does have the discretion to extend this period where appropriate.

The Pensions Ombudsman can be contacted at:

Address:
10 South Colonnade,
Canary Wharf,
E14 4PU

Tel: 0800 917 4487
Email: enquiries@pensions-ombudsman.org.uk
Website: www.pensions-ombudsman.org.uk

You can also submit a complaint form online.

Time limits under the internal dispute resolution procedure

Your situation	To complain to	Time Limit
You have received a decision on your benefits under the pension scheme from your employer/pension administrator, and there seem to be good grounds for complaining.	The adjudicator under the first stage of the procedure.	28 days from the date when you were notified of the decision.
You have received a first stage decision on your complaint from the adjudicator, but you are not satisfied.	The Police Pension Authority.	6 months from the date of the adjudicator’s decision
You have received a first stage decision on your complaint from the adjudicator, but you are not satisfied.	The Police Pension Authority.	9 months from the date when you submitted your complaint.
You received an interim reply to your complaint to the adjudicator, within 2 months of applying to them. Their reply promised you a decision by a specified date but, one month after the specified date, you still have not received their decision.	The Police Pension Authority.	7 months from the date by which you were promised you would receive a decision.
Your complaint is that your employer or pension administrator have failed to make any decision about your benefits under the pension scheme.	The Police Pension Authority.	6 months from the date when the employer or administering authority should have made the decision2.
Your complaint went to the Police Pension Authority under the second stage of the procedure. You received their decision, but you are still not satisfied.	The Pensions Ombudsman.	3 years from the date of the original decision about which you are complaining.
You have taken your complaint to the Police Pension Authority under the second stage of the procedure but, 2 months after your complaint was received by the authority, you have not received their decision on your complaint or any interim reply.	The Pensions Ombudsman.	3 years from the date of the original decision about which you are complaining.
You received an interim reply to your second stage complaint to the Police Pension Authority, within 2 months of applying to them. Their reply promised you a decision by a certain date but, by that date, you still have not received their decision.	The Pensions Ombudsman.	3 years from the date of the original decision about which you are complaining.