Set up by the Social Security Act 1990 to review and settle disputes between pension scheme members and their pension scheme.

The Ombudsman can investigate complaints of maladministration in schemes which cause injustice or disputes of fact or law relating to occupational pension schemes. Cases are normally only taken up by the Ombudsman if they have been dealt with by OPAS first. The main categories of cases cover problems arising from schemes being wound up, problems with calculation of benefits, contribution refunds, incorrect, late or non-payment of pensions, transfers and ill-health benefits. Pensions Ombudsman - 11 Belgrave Road, London SW1V 1RB. Tel: 020 7834 9144.

The Pensions Ombudsman is an independent person who settles disputes between pension scheme members and the pension schemes. Pension schemes must follow the Ombudsman's rulings, but they can challenge them in court.