www.bbc.co.uk/news/uk-northern-ireland-48914506
Frances did not start her transition until she turned 60.
"I had more than enough contributions to claim my state pension as a woman and I did not see why I could not claim it at the same age as every other woman," she said,
She approached the Human Rights Commission to help fight her case.
"As transgender individuals we are not looking for additional rights or anything more favourable than anybody else in society," she said.
"However it is very, very important that those rights that we do have are enforced. For me it is not enough to be tolerated.
"I want to be accepted and respected in the same way as you would expect."