This is another retirement case. Here, the employer did not realise that the complainant had reached 65 (in October 2007) until September 2008.It issued a notice of retirement but it was withdrawn. However, the complainant was informed that she had not been covered by their life and long-term disability policy since her 65th birthday. For the period October 2008 to December 2009 she was paid a compensatory amount of €43.66 per month which was the respondent's assessment of the cost of the cover. Her cover was reinstated in December 2009. The Tribunal concluded that the complainant was not covered under the life and long-time disability plan from October 2007 to December 2009 and this arose solely because she had