Case 1: The member had no death cover when the trustee introduced automatic default cover. If members didn’t want cover, they had to take active steps to opt out. The member did not opt out and he also had no cover when he died. His wife complained to the Tribunal. Under the terms of the policy, the deceased member had to be in ‘Active Employment’ on the date the default cover was introduced in March 2013. It was not in dispute that, at this date, the deceased was neither working nor capable of working 35 hours a week as he...