Who of the following can submit a complaint about a pension provider to the Financial Services & Pensions Ombudsman? (i) A member. (ii) The spouse of a deceased member. (iii) The legal personal representative of a deceased member. A (i) only. B (ii) only. C (i) and (iii) only. D (i), (ii) and (iii).

• A. A (i) only.
• B. B (ii) only.
• C. C (i) and (iii) only.
• D. D (i), (ii) and (iii).

Answer: (D)

The question tests who has standing to lodge a complaint about a pension provider with the Financial Services & Pensions Ombudsman. Any person who has a direct interest in the pension can complain, not just the member themselves.

A member has standing because the complaint concerns their own pension rights and benefits. The spouse of a deceased member qualifies because survivor benefits are part of the pension arrangement, so issues affecting them fall within the Ombudsman’s remit. The legal personal representative of a deceased member (the executor or administrator of the estate) can act on behalf of the deceased member and beneficiaries, making a complaint about how the pension was handled.

Since all three have a direct interest, they are all eligible to submit complaints.