A complaint can be made to the AFCA in relation to TPD, Salary Continuance, or Income Protections if:
The Superannuation fund is not communicating with you
The Superannuation fund / trustee has made an unfair / unsubstantiated determination
The superannuation fund has not made a determination within the stipulated time frame
The has been a delay in paying a benefit
Incorrect or unauthorised transactions or changes to your superannuation policy that affect your benefits