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Who can complain?

You can complain to the Pensions Ombudsman if you believe you have suffered financial loss because of poor administration of an Occupational pension scheme, PRSA or Trust RAC.

An occupational pension scheme is one associated with your employment.

This means that you are or were:

  • a member or a former member of a pension scheme
  • a surviving dependant of a member who has died
  • a person claiming to be a member or a surviving dependant of a member who has died
  • a contributor to a PRSA
  • a personal representative of a member or contributor who has died
  • a widow or widower of a member or contributor who has died.

If the person eligible to complain dies, or is under 18 years old, or unable to act for himself, then the complaint may be made by that individual's personal representative; otherwise, by a relative or other suitable person. Without claiming to be at a financial loss, anyone eligible to complain can refer a dispute of fact or law to the Pensions Ombudsman.