Who can make a complaint?

For superannuation complaints

A person who thinks the superannuation fund trustee's decision or conduct is or was unfair or unreasonable and who is one of the following:

  • a current member or former member of a regulated superannuation fund which is not a self-managed superannuation fund
  • a beneficiary or former beneficiary of an approved deposit fund (ADF) which has more than one beneficiary
  • a person with an interest in, or who claims an entitlement to, a death benefit, or
  • someone acting on behalf of the persons above or of their estate, such as a family member or legal personal representative.

For annuity policy complaints

A person who thinks the decision or conduct in relation to the annuity policy is or was unfair or unreasonable and who:

  • has or claims to have an interest in (i.e. has purchased) an annuity policy
  • is a person who is a potential beneficiary under an annuity policy in relation to a benefit payable following the death of the person who held the policy, or
  • is a person acting for one of the above.

For RSA complaints

A person who thinks the RSA provider's decision or conduct is or was unfair or unreasonable and who is:

  • a current or former RSA holder
  • a person with an interest in, or who claims an entitlement to, a death benefit payable from an RSA, or
  • someone acting on behalf of the persons above or of their estate, such as a family member or legal personal representative.