What types of superannuation complaints does AFCA handle?
AFCA handles complaints about delayed payment of benefits, incorrect calculation of entitlements, insurance claims within super funds that were declined or delayed, fees charged incorrectly, and complaints about investment decisions affecting your balance.
Why go to AFCA instead of court?
AFCA is free, independent, and binds super funds to its decisions. Taking a superannuation dispute to court is expensive, time-consuming, and typically disproportionate for most individual complaints. AFCA was specifically created for this purpose.
What is the time limit for lodging a superannuation complaint with AFCA?
For most superannuation complaints you must lodge within two years of the trustee decision or when you first became aware of the issue. Some complaints involving death benefits have different time limits. Act as soon as possible.
What should I do before contacting AFCA?
You must first make a complaint directly to your super fund and allow them a reasonable time to respond, typically 45 days for super matters. AFCA will ask whether you have done this before accepting your complaint.
How do I lodge a complaint with AFCA?
Visit afca.org.au and complete the online complaint form. You will need to describe the issue, the outcome you are seeking, and attach supporting documents. The process is designed for self-representation and no lawyer is needed.
What evidence should I provide to AFCA?
Your superannuation statements, the fund formal response to your complaint, any relevant correspondence, the terms and conditions of your account or insurance within super, and a clear written explanation of what went wrong and what you are seeking.
What can AFCA award if your complaint succeeds?
AFCA can require your fund to pay your correct entitlement, correct administrative errors, pay compensation for direct financial loss, and in some cases pay compensation for non-financial loss such as distress caused by the fund conduct.
Does AFCA handle insurance claims made through super?
Yes. Many Australians have life insurance, total and permanent disability insurance, and income protection insurance through their super fund. If a claim was denied or handled unfairly AFCA can review that decision.
What can and cannot be done without a lawyer?
The full AFCA complaint process is designed for self-representation. We help you understand the process and prepare your complaint. Complex matters involving large sums or disputed medical evidence may benefit from specialist legal advice.
How does uplaw.ai help with an AFCA superannuation complaint?
Tell us which super fund you are with, what happened, and what outcome you are seeking in the chat. We walk you through the complaint preparation and AFCA submission process step by step.
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