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External Review - The Financial Ombudsman Service

If a superannuation dispute is about the payment of a disability benefit that is an insurance benefit under a group life insurance policy, it may be possible to lodge a complaint to the Financial Ombudsman Service, which can deal with complaints from persons claiming a beneficial interest under a life insurance policy.

Accordingly, the service has the power to deal with complaints about superannuation disability insurance benefit claims even though the complainant is not the policy-holder.


The service can only review the decision or conduct of a life insurance company that is one of its members, and has no power to review the decisions or conduct of superannuation fund trustees. There are limits on its review powers.

Time limits

The Financial Ombudsman Service does not have the time limit restrictions on reviewing total and permanent disability claim decisions that apply to the Superannuation Complaints Tribunal, but there is a general six year limitation period for lodging complaints.

The powers and procedures of the service are dealt with in Insurance.

External Review - The Financial Ombudsman Service  :  Last Revised: Fri Jul 25th 2014
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