Letter · Superannuation
Covering letter for an AFCA complaint about insurance held in superannuation
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. This letter does not calculate the time limits in the Rules.
- Kind
- Letter. A letter or email you adapt and send.
- Where it applies
- Victoria, Queensland, New South Wales
- AI use
- Yellow You and the tool draft together, with you directing. You check every statement you rely on.
- Law stated as at
- 23 October 2026
- Status
- Maintained. Checked on 23 October 2026 against the 6 authorities it cites, for Victoria, Queensland and New South Wales.
- Version
- 1
- Source
- Written for this library
When to use it
Use when a complaint about insurance held in a regulated superannuation fund is being lodged with AFCA, after the trustee or insurer complaint. Do not use it for a self-managed superannuation fund, or as a substitute for AFCA's complaint process. The library already has a completion guide for the AFCA superannuation complaint.
Used for these tasks
- Check the time limits for a complaint about a superannuation disability benefit
- Draft an AFCA complaint summary
Each task page says how far AI may help with the task and what the lawyer must review.
How AI may be used
The lawyer and the tool draft the covering letter from the decision and the document list, and the lawyer checks the AFCA Rules for jurisdiction and time before the complaint is lodged.
AI may
- Name the fund, the insurer, the decision and the date notice was received
- List only the documents the lawyer has marked for the complaint
- Say that the complaint is made through AFCA's process and that this letter is not the complaint
AI must not
- Must not lodge this letter as the complaint, or complete AFCA's form
- Must not state a time limit that has not been read in the current Rules
- Must not describe a self-managed superannuation fund dispute as a superannuation complaint
- Must not say that AFCA will set aside the decision
The lawyer checks
- The fund is a regulated fund and not a self-managed superannuation fund, unless the lawyer has chosen a different AFCA jurisdiction
- The trustee or insurer complaint has been made, or the lawyer has decided the current Rules allow the complaint without it
- The time limit is calculated by the lawyer from the Rules released on 8 October 2026, not by the tool
- Draft only in the firm's approved tool. In Victoria and New South Wales, do not disclose confidential client information without authority under Australian Solicitors' Conduct Rules r 9.2.1. A Queensland solicitor checks the local conduct rules.
- If client information leaves the approved environment, check APP 11 and whether there is an eligible data breach under the Privacy Act notifiable data breach scheme.
Method: how the Green, Yellow and Red levels are decided. This is guidance for planning, not legal advice.
Read the full text
The full text is available after you log in. It is free. When you log in you can:
- read the whole precedent, with its drafting notes beside it;
- copy it, or download it as a Word file or Markdown;
- add it to your firm’s knowledge base, so colleagues can find it;
- let the AI tools you connect read it from that knowledge base.
The summary, the law it rests on and the AI-use guidance above stay public. Privacy.
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