Pensions - how to make a complaint
What should you do if you have a problem with your pension?
Different pension types have different complaint and resolution processes. If you are claiming the state pension, you should contact the Department of Social Protection through MyWelfare.ie. If you have a personal pension plan (PPP) or PRSA that you bought yourself, you should first complain directly to your
insurance company. If that doesn’t resolve it, contact the Financial Services
& Pensions Ombudsman (FSPO).
If the problem relates to an occupational pension or a PRSA from your employer, you should raise the issue with your employer, the plan administrator, or the pension trustees. If you are a public sector worker on Public Service Pension, contact your workplace HR Division and ask for the Internal Dispute Resolution (IDR). If you are still not satisfied after completing this process, you can contact the Pensions Authority.
Who should you contact for each type of pension?
Please use the list below to understand exactly who to contact to complain about your pension.
| Type of pension | Who to contact |
|---|---|
| State pensions | The Department of Social Protection |
| Personal Pension Plan (PPP) Personal Retirement Savings Account (PRSA) – only if you bought it yourself | Contact the insurance company and make an internal complaint first. If you are still not satisfied contact the Financial Services & Pensions Ombudsman (FSPO). Get information on making a complaint. |
| Occupational Pension PRSA (if provided by your employer) | Contact your employer and make an internal complaint. You can also contact:
|
| Public Service | Contact the HR Division in your workplace and request a copy of the Internal Disputes Resolution (IDR) procedure. If you are still not happy contact the Pensions Authority. |
