You are here:   
Beds Pension Fund > Active members > Queries and Complaints

Queries and Complaints

Your employer and Bedfordshire Pension Fund are responsible for making decisions about your Local Government Pension Scheme (LGPS) benefits and membership.  If you are unhappy about a decision that’s been made or think there has been a mistake, please contact Bedfordshire Pension Fund as soon as possible so that we can try and resolve the matter for you quickly.  The fund would like to discuss the matter before you consider making a formal complaint, to see if it can be resolved informally to avoid unnecessary inconvenience to you.

When you consider whether or not to make a complaint, remember that the benefits payable under the LGPS are defined by law (Local Government Pension Scheme Regulations 2013).


Internal Dispute Resolution Procedure (IDRP)

If you have not been able to resolve your complaint informally, you have the right to make a formal complaint under the Internal Dispute Resolution Procedure (IDRP).  A full guide to the process and application forms are available below.  In brief, the procedure has 2 stages:


Stage 1: You will need to complete a Stage 1 application form, setting out details of your complaint, and send it to Bedfordshire Pension Fund within six months of the date you were notified of the decision you are complaining about.  Depending on who made the original decision, your application will be directed to either your employer or Bedfordshire Pension Fund’s administering authority, Bedford Borough Council.  A nominated person, known as an adjudicator, who was not involved in making the original decision, will review your case and decide whether or not they uphold your complaint.


Stage 2: If you are not satisfied with the decision of the stage 1 adjudicator, you can appeal under stage 2 to Bedford Borough Council, as the pension fund’s administering authority.  You will need to complete a Stage 2 application form.  The Stage 2 application must be made within 6 months of the Stage 1 decision. Under Stage 2, an independent person, who has not previously been involved in your case, will review the decision made at Stage 1.


IDRP guide and application forms (Word 550KB)



Further information is available from the following organisations:


The Money and Pensions Service

The pensions advisory section of the Money and Pensions Service can provide information and guidance about your pension. 

Tel:  0800 011 3797              Website:



The Pensions Ombudsman

If you have a complaint or dispute with your pension provider about your pension you can contact The Pensions Ombudsman:

Tel: 0800 917 4487           Website: