Pensions For Individuals | Setfords

for individuals

UK pension arrangements are complex and very often difficult to understand, and occasionally things do go wrong. The majority of issues are created by poor or lack of communication and can be rectified quickly. But when things go wrong and are far more difficult, clients need to feel confident that they can have someone working for them who really understands and simplifies the issues, who can diffuse the tension and guide them through the process to achieve the best possible outcome.

Our lawyers have many years experience in advising on the operation and regulation of UK Pension arrangements and can help individuals with their pension complaints and disputes.

Our services

Benefit checks

Assessing if the benefits paid accurately reflect scheme entitlement.

Complaint assessment

Assessing the prospects of a complaint.

Complaint assistance

Dealing with complaint respondents’, for example employers, trustees and pension providers


Assessing the effect of or breach of employer pensions consultation requirements


Internal Dispute Resolution Procedure and Pensions Ombudsman complaints

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Example Experience:

Benefit checks

Acting for a member of a defined benefits scheme who upon our assessment of the scheme documents and our advice was entitled to a higher pension than he was being paid

Complaint assessment and assistance

Acting for a number of members of a public services scheme with an array of issues ranging from delays in transfers; restriction of ill-health benefits ; treatment of work promotion on pension contributions and protocol to award ill-health benefits

Advice regarding attempts to recover overpayment of pension benefits

Assessment of advice provided by an independent financial adviser after changes in personnel


Advising on a complaint under the Internal Dispute Resolution Procedure regarding investment decisions based upon poor communications and after non resolution, commenting on the response of the Pensions Ombudsman

Maria C. Riccio

Senior Consultant Solicitor – Pensions Law

Maria Riccio is a pensions lawyer with over 30 years experience and is a full member of the Association of Pension Lawyers . She is ranked Band 1 in Chambers Directory and as a Leading Individual in the Legal 500.

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