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England and Wales High Court (Chancery Division) Decisions |
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You are here: BAILII >> Databases >> England and Wales High Court (Chancery Division) Decisions >> Universities Superannuation Scheme Ltd v Scragg & Ors [2019] EWHC 51 (Ch) (18 January 2019) URL: http://www.bailii.org/ew/cases/EWHC/Ch/2019/51.html Cite as: [2019] ICR 738, [2019] WLR(D) 28, [2019] Pens LR 13, [2019] EWHC 51 (Ch) |
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BUSINESS AND PROPERTY COURTS OF ENGLAND AND WALES
APPEALS (ChD)
IN THE MATTERS OF THE PENSION SCHEMES ACT 1993, SECTION 151(4)
AND IN THE MATTER OF THE UNIVERSITIES SUPERANNUATION SCHEME
ON APPEAL FROM THE DETERMINATION OF THE PENSIONS OMBUDSMAN DATED 23 MARCH 2018 (REF PO-15052)
Royal Courts of Justice The Rolls Building Fetter Lane, London EC4A 1NL |
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B e f o r e :
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UNIVERSITIES SUPERANNUATION SCHEME LIMITED |
Appellant |
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and |
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(1) IAN SCRAGG (2) UNIVERSITY OF DUNDEE |
Respondents |
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David E. Grant (instructed by Addleshaw Goddard LLP) for the First Respondent
The Second Respondent did not appear and was not represented
Hearing date: 17 December 2018
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Crown Copyright ©
Mrs Justice Rose:
"15 EARLY PENSIONS ON INCAPACITY
15.1 Application of this rule
This rule applies to a member who satisfies all of the following conditions:
15.1.1 Service
The member has either:
(a) completed 2 years' active membership;
15.1.2 Employer agrees incapacity
In the employer's opinion the member is suffering from incapacity at the date of the relevant cessation of eligible employment.
15.1.3 Trustee company agrees incapacity type
The trustee company determines that the member is suffering from total incapacity or partial incapacity.
15.1.4 Reason for retirement or cessation of eligible employment
The trustee company determines that the member has retired or ceased one or more eligible employments on the grounds of total incapacity or partial incapacity before normal pension age and, in the case of total incapacity, without continuing in any other eligible employment.
15.1.5 Application to the trustee company
The member applies to the trustee company, in a form acceptable to the trustee company for benefits under this rule, unless the trustee company determines that regulation 8(3) of the Preservation Regulations is satisfied.
15.14 Determinations by the trustee company under this rule
Any determination made by the trustee company under this rule 15 shall be made on the balance of probabilities, having regard to a medical opinion".
i) "Incapacity" is defined as "either partial incapacity or total incapacity";
ii) "Medical Opinion" is defined as "an opinion on the available evidence and on the balance of probabilities which is received by the trustee company from one or more of the registered medical practitioners (or other medical advisers determined by the trustee company to be suitably qualified) who are appointed by the trustee company".
iii) "Partial Incapacity" is defined as "ill-health of, or injury to, a member or former member not amounting to total incapacity, which causes that individual to be able for the long term to discharge the duties of neither an eligible employment currently held by that individual nor any other employment (whether or not available) which has a scope and a nature similar to" the employment currently held.
iv) "Total incapacity" is defined as "ill-health of, or injury to, a member which causes that individual to be able for the long term to discharge the duties of neither [his current employment] nor any other employment for which an employer would be likely to pay the individual more than a small fraction of the amount which would, but for the cessation of eligible employment have been that individual's salary".
i) A letter from Mr Scragg's GP Dr Herrington dated 8 February 2016;
ii) Reports from Dr Audrey Morrison, a consultant psychiatrist dated 21 January 2015, 2 April 2015, 2 October 2015 and 14 January 2016;
iii) A letter from Dr Louise Reid, a clinical psychologist dated 4 February 2016;
iv) A joint report from Dr Morrison and Dr Reid dated 3 March 2016;
v) Reports from Dr Tom Scade, an Occupational Health Physician dated 27 January 2016 and 14 March 2016.
The principles of construction
Discussion
The Respondent's Notice
i) The hand written notes on which the Trustee Company relied did not constitute a medical opinion within the meaning of the Rules;
ii) The Trustee Company misdirected itself because it must only 'have regard' to any medical opinion from its panel of medical advisers;
iii) The medical opinion received did not entitle the Trustee Company to reject Mr Scragg's application for incapacity pension.