Who can submit a complaint about a pension provider to the Financial Services & Pensions Ombudsman?

• A. The member alone may submit a complaint.
• B. The spouse of a deceased member alone may submit a complaint.
• C. The legal personal representative of a deceased member alone may submit a complaint.
• D. The member, the spouse of a deceased member, or the legal personal representative of a deceased member may submit a complaint.

Answer: (D)

The key idea is who has the right to bring a complaint about a pension provider to the FSPO. The ombudsman allows complaints not only from the member while they are alive, but also from people who have a direct interest in the member’s pension if the member has died. That includes the surviving spouse and the legal personal representative (the executor or administrator) of the deceased member’s estate. This ensures those entitled to the benefits can seek redress. Because all three groups have a legitimate interest, the option that lists the member, the spouse of a deceased member, or the legal personal representative of a deceased member is the correct one.