Australia lub koom haum uas tswj tej dej num lagluam nyiaj txiaj hais tias tej superannuation industry yuav tau xyuas kom ua tau cov hauj lwm claiming super dealth benefits kom zoo tshaj qub ntxiv, tom qab nws cov kev txheeb txog tej hauj lwm no txheeb tau tias muaj tej neeg cov kev mus claim dealth benefits tshaj 3 feem 4 (75%) tseem raug ncua cuam tshuam nrog ntau yam teeb meem ntawm tej txheej txheem uas tej tuam txhab no muaj peev xwm tswj.
Death benefits ces yog ib co nyiaj superannuation ntawm ib tug neeg twg phau nyiaj superannuation account uas tseem tshuav tom qab tus neeg ntawd tas sim neej lawm, thiab muab rau tej neeg tsim nyog tau — uas raws li ib txwm pom ces yog ib tug neeg ntawm nws tsev neeg — uas yog tus muaj cai yuav tau txais thiab tsim nyog tej tuam txhab super funds them rau kom sai npaum li sai tau.
ASIC tsab ntawv cej luam txheeb tau dab tsi?
Lub koom haum Australian Securities and Investments Commission (ASIC) tau hais tias tej super funds yeej tsis muaj tej customer services zoo rau tej neeg thaum nws tau txheeb 10 lub tuam txhab super funds, uas tswj tej benefits txog li ntawm 38% raws li lub koom haum Australian Purdential Refulation Authority (APRA) tej cai tau teev tseg.
Tej trustees no ces yeej muaj ntau cov lagluam tsis hais cov retail, public sector thiab industry super funds, suav Australian Retirement Trust thiab UniSuper nrog. Tab sis nws kuj tsis teev Cbus los yog AustralianSuper hauv nws cov kev txheeb tej superfunds vim rau qhov twb xub tau pib muaj ib co plaub ntug tawm tsam nrog lawv lawm.
Ncua ntev heev thiab tsis muaj tej customer services zoo
ASIC tau txheeb tau tias yeej muaj ntau cov kev ncua ntev heev thiab tsis muaj tej customer services zoo rau cov kev mus claim cov super death benefits. Thiab yeej muaj lub sij hawm sib txawv heev ntawm tej super funds, thiab yeej tsis muaj ib lub tuam txhab twg uas nws tau txheeb no muaj peev xwm txheeb tau cov claims ntau dua ib nrab rau lub caij 90 hnub (3 hlis) li.
— Tej ntaub ntawv uas ASIC tau txheeb ces pom tias 78% yeej raug ncua vim cuam tshuam nrog tej txheej txheem txheeb ntau yam uas tej tuam txhab no yeej muaj peev xwm tswj tau.
— Lub caij (lub sij hawm) txheeb los kuj sib txawv ntawm Colonial First State trustee Avanteos, uas muaj peev xwm txheeb tau cov death benefits claims tiav txog li ntawm 48% rau lub caij 90 hnub, piv rau Rest, uas yog lub super funds uas txheeb qeeb tshaj plaws thiab tsuas muaj peev xwm txheeb tej claims tiav txog li 8% rau tib lub caij li hais ntawd xwb.
— Yeej muaj tej piv txwv ntawm tej ntawv xav mus thov cov claims no txog li ntawm 27% uas tsis tau cov customer services zoo siv, li tsis teb xov tooj rau tej neeg xa ntawv mus claim, tsis kub siab teb lawv tej lus nug thiab pheej thov kom lawv xav tej xov xwm tsis tsim nyog qhia rau lawv.
— Muaj ib co piv txwv uas muaj ib lub super fund ces tau siv sij hawm ntawv tshaj 500 hnub (1 xyoos thiab 4 hli nrab) los txheeb ces thiaj them cov nyiaj death benefits txog li ntawm $100,000 rau ib tug poj niam neeg txum tim Australia uas nws tus txiv tau tas sim neej lawm.
ASIC tau hais dab tsi rau tej nws tau txheeb tau?
Simone Constant uas yog tus thawj tswj ASIC tau hais tias "Tau muaj ntau cov teeb meem yws tsis txaus siab uas peb tau nyeem ces yeej ua rau peb nyuaj siab kawg nkaus li. Peb tau pom tias tau ua rau tej neeg tu siab heev, tsis muaj peev xwm pab tau lawv tus kheej, meem txom heev, thiab yeej ntsib kev txom nyem tiag.''
"Tej nyiaj uas tau los ntawm cov kev claim death benefits ntawd ces yog tej yam uas muaj peev xwm pab tau tsev neeg ntawd heev li, thiab ib hnub twg uas lub tuam txhab super funds tseem ncua tsis them tej nyiaj rau tsev neeg uas muaj tus neeg tas sim neej ces ua rau muaj teeb meem loj tiag tiag rau tej cuab yig ntawd.''
ASIC tau hais kom yuav tsum ua dab tsi los daws tej xwm txheej no?
Lub koom haum no tsab ntawv cej luam yeej tau muaj 34 cov kev taw qhia kom tej tuam txhab super funds siv. Thiab lawv yuav tsum tau kho kom tsim tau cov customer services siv kom zoo tshaj qub ntxiv, thiab xyuas kom muaj peev xwm los txheeb tau cov super death benefits claims no kom sai raws li lub caij nyoog tsim nyog, ua tib zoo los txheeb thiab cej luam qhia txog tej kev claims no thiab xyuas kom muaj peev xwm siv tau cov txheej txheem claim no kom nthuav dav, xyaum lawv tej neeg ua hauj lwm kom paub ua tej hauj lwm no zoo tshaj qub ntxiv, thiab nrog xyuas kom tsis txhob muaj teeb meem rau Australia tej neeg txum tim cov kev mus claim tej nyiaj no.
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