Ms Ann Nolan:

The person had been insured under an insurance contract and the company had gone bust. There was a disagreement.

My understanding of the case as I remember it - I can send the Deputy a note on the exact details - is that if current rules applied at the time the person died, the family would have received compensation, but the rules at the time of the death, technically our advice was that we could resist it. However, rightfully, we came to an agreement with the woman who was widowed because she was still left with a young family.