Which combination of people is eligible to submit a complaint about a pension provider to the FSPO?

• A. The living member.
• B. The living member or spouse.
• C. The member, the spouse of a deceased member, or the legal personal representative of a deceased member.
• D. Anyone.

Answer: (C)

The ability to complain to the FSPO about a pension provider is about having a direct interest in the pension matter. A person who has that direct interest can raise concerns: the living member themselves, or in the case the member has died, the surviving spouse, or the legal personal representative (the executor or administrator) of the deceased member who can pursue the complaint on behalf of the deceased member’s estate. This ensures that those with a stake in the benefits or decisions surrounding the pension can seek redress. A living member or spouse can pursue the issue themselves, while a deceased member’s affairs can be handled by the spouse or by the legal personal representative. People without a direct interest, or unrelated third parties, aren’t eligible to file.