Under the pensions complaints framework, a deceased member's representative may file a complaint with the FSPO. Which of the following best describes this ability?

• A. A Only the member may file.
• B. B Only the spouse may file.
• C. C Only the legal personal representative may file.
• D. D The member, the spouse, and the legal personal representative may file.

Answer: (D)

Under the pensions complaints framework, the right to bring a complaint isn’t limited to the member alone. When someone dies, those who have a legal or practical interest in the deceased’s pension rights can step in to pursue redress. The spouse may be entitled to survivor benefits, and the legal personal representative (the executor or administrator of the estate) can file on behalf of the estate and any beneficiaries. This ensures that pension-related concerns—such as mismanagement, delays, or incorrect payments—can still be addressed even after death. Therefore, the correct description is that the member’s representative can file, and this includes the spouse and the legal personal representative, with the member themselves able to file if alive.