---
title: "Diary the six-year Queensland contract limit if AFCA cannot hear the disability complaint"
url: "https://ailawframework.com/practice/superannuation/check-the-time-limits-for-a-complaint-about-a-superannuation-disability/queensland"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A27-TP20261023-5-QLD"
practice_area: "Superannuation"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["QLD"]
last_reviewed: "2026-10-25"
---

# Diary the six-year Queensland contract limit if AFCA cannot hear the disability complaint

> From the decision dates the lawyer marks, set out section 10(1)(a) and section 10(3) of the Limitation of Actions Act 1974 (Qld) beside the AFCA deadline. The tool does not choose the accrual date.

Canonical page: https://ailawframework.com/practice/superannuation/check-the-time-limits-for-a-complaint-about-a-superannuation-disability/queensland  
Last reviewed: 2026-10-25

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Superannuation](https://ailawframework.com/practice/superannuation.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | From the decision dates the lawyer marks, set out section 10(1)(a) and section 10(3) of the Limitation of Actions Act 1974 (Qld) beside the AFCA deadline. The tool does not choose the accrual date. |
| What the lawyer must review | Confirm the damages claimed do not include damages in respect of personal injury. Read section 10AA before issuing. Section 10(1)(a) is subject to it. Do not let section 10(3) override a shorter period. It gives six years for a deed. Do not treat the AFCA disability limits as extendable. |
| Written for | Queensland |
| Applies to | [Check the time limits for a complaint about a superannuation disability benefit](https://ailawframework.com/practice/superannuation/check-the-time-limits-for-a-complaint-about-a-superannuation-disability.md) |

## Checking plan

**Verify against sources**

The lawyer checks that a contract claim would still be in time if AFCA cannot extend the disability limits.

- What the AI does: From the decision dates the lawyer marks, set out section 10(1)(a) and section 10(3) of the Limitation of Actions Act 1974 (Qld) beside the AFCA deadline. The tool does not choose the accrual date.
- What the lawyer does: Decide whether the claim is in contract, fix the accrual date, and do not treat the AFCA disability limits as extendable.
- Who reviews: Lawyer competent in this practice area
- Basis: Checked against the linked sources on 23 October 2026. Confirm the current instrument before reliance.

## Checks the lawyer makes

1. Section 10(1)(a), subject to section 10AA, gives six years from when the cause of action arose for an action founded on simple contract or quasi-contract, or on tort, where the damages claimed do not consist of or include damages in respect of personal injury.
2. If the claim includes damages in respect of personal injury, section 10(1)(a) does not apply to that part. Read section 10AA before relying on the six years.
3. Section 10(3) gives six years from accrual for an action upon a deed. Section 10(3A) says subsection (3) does not affect an action for which another provision prescribes a shorter period.
4. AFCA rule B.4.4.1: AFCA will not extend the time limits in rules B.4.1.1 to B.4.1.4.

## Notes

- The AFCA rules do not change by state. This version is the Queensland contract period used if those rules cannot be extended.
- Keep medical and wage records in the firm's tool. Queensland uses the Australian Solicitors' Conduct Rules 2023. Australian Privacy Principle 11 applies, and a loss likely to result in serious harm may be notifiable.

## Practical guide

Jurisdiction: A Queensland court, if a superannuation disability complaint cannot be determined by AFCA

**Deliverable**: A diary of the state contract period beside the AFCA deadline, with the accrual date left for the lawyer.

**Inputs**

- AFCA deadline already calculated from the decision letters
- Policy and the proposed cause of action
- Date the lawyer treats as accrual

**Example**: Illustrative example: The AFCA disability deadline has passed. The tool lists six years only for a contract claim whose damages do not include personal injury. The lawyer decides whether any part of the claim is personal-injury damages.

**Stop and escalate when**

- Any part of the proposed claim is damages in respect of personal injury.
- Section 10AA has not been read.

Checked 2026-10-23.

## Sources

- [Limitation of Actions Act 1974 (Qld) s 10](https://classic.austlii.edu.au/au/legis/qld/consol_act/loaa1974226/s10.html) (checked 2026-10-23)
- [AFCA Complaint Resolution Scheme Rules, 8 October 2026](https://www.afca.org.au/media/2430/download) (checked 2026-10-23)
- [Queensland Law Society: Australian Solicitors' Conduct Rules](https://www.qls.com.au/practising-law-in-qld/ethics/australian-solicitors-conduct-rules) (checked 2026-10-23)
- [Office of the Australian Information Commissioner: Australian Privacy Principles](https://www.oaic.gov.au/privacy/australian-privacy-principles/read-the-australian-privacy-principles) (checked 2026-10-23)
- [Office of the Australian Information Commissioner: notifiable data breaches](https://www.oaic.gov.au/privacy/notifiable-data-breaches) (checked 2026-10-23)

## Forms and precedents for this task

| Form or precedent | Kind | AI level | Summary |
| --- | --- | --- | --- |
| [Covering letter for an AFCA complaint about insurance held in superannuation](https://ailawframework.com/precedents/superannuation/afca-super-complaint-covering-letter.md) | Letter | Yellow | A covering letter for a complaint to the Australian Financial Complaints Authority about a disability decision on insurance held in superannuation, made through AFCA's own process.… |

Signed-in accounts can read the full text of each one.

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*