---
title: "AFCA superannuation complaint (including death benefit and TPD decisions)"
url: "https://ailawframework.com/precedents/superannuation/afca-superannuation-complaint"
type: "precedent"
site: "AI Law Framework"
id: "a27-afca-superannuation-complaint"
area_id: "A27"
kind: "form"
ai_level: "yellow"
version: 1
law_stated_as_at: "2026-10-17"
---

# AFCA superannuation complaint (including death benefit and TPD decisions)

> Completion guide for an AFCA superannuation complaint: jurisdiction checks, strict time limits for death benefit and TPD complaints, what goes in each part of the form, and documents to attach.

Canonical page: https://ailawframework.com/precedents/superannuation/afca-superannuation-complaint  
Law stated as at: 2026-10-17

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

## Key facts

- Kind: Form. A form to complete, or a guide to completing an official one.
- Practice area: [Superannuation](https://ailawframework.com/precedents/superannuation.md)
- Jurisdictions: Australia
- AI level: Yellow. AI can help in set ways. A lawyer checks specific points before use.
- Law stated as at: 2026-10-17
- Status: Maintained. Checked on 2026-10-17 against the official form at afca.org.au and the 4 authorities it cites, for Australia.

## When to use it

Use when a member, beneficiary or estate wants AFCA to review a superannuation trustee's or insurer's decision after internal dispute resolution. Not for disputes with an SMSF trustee, which go to court.

## How AI may be used

AI can summarise the trustee's decision and draft the complaint narrative from the file. Strict time limits must be calculated and diarised by a person, and every fact checked against the documents.

**AI may:**

- Summarise the trustee's notices, reasons and IDR response
- Build a dated chronology from the documents with page references
- Draft the 'what happened' narrative for the lawyer to edit

**AI must not:**

- Must not calculate or diarise the 28-day objection or AFCA lodgement deadlines without a person checking them
- Must not add facts, relationships or medical opinions that are not in the documents
- Must not receive health or family information in a tool whose terms allow training on inputs

**The lawyer checks:**

- Jurisdiction and standing, including that the fund is not an SMSF
- Time limits under s 1056 and the current AFCA Rules
- Every date and fact in the narrative against the source documents

## Authorities

- [Corporations Act 2001 (Cth) Pt 7.10A, including ss 1055, 1056 and 1056A](https://www.legislation.gov.au/C2004A00818/latest/text)
- [Superannuation Industry (Supervision) Act 1993 (Cth) s 101](https://www.legislation.gov.au/C2004A04633/latest/text)
- [AFCA Complaint Resolution Scheme Rules (version released 8 October 2026) rr B.4.1.1–B.4.1.5](https://www.afca.org.au/about-afca/rules-and-guidelines/rules)
- [ASIC Regulatory Guide 271 Internal dispute resolution (RG 271.79–RG 271.85)](https://www.asic.gov.au/regulatory-resources/find-a-document/regulatory-guides/rg-271-internal-dispute-resolution)

## Official form

[Official form](https://www.afca.org.au/make-a-complaint)

## Where this comes from

The official form is published by afca.org.au; this page is a completion guide. Last checked on 2026-10-17.

## Full text and drafting notes

The full text and the drafting notes are not part of this public page. Signed-in firm accounts can read them at https://ailawframework.com/precedents/superannuation/afca-superannuation-complaint and through the signed-in MCP connector https://ailawframework.com/mcp/firm.

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