According to the Retirement Benefits Acts, if an employee or a member of a company scheme is discontented with the decision of the custodian, manager, or the trustee of the scheme, that person can submit a letter of request addressed to the Chief Executive Officer, stating that he or she wants the decision to be reviewed, to make sure that it is in harmony with the provisions provided in the scheme. This letter should also be copy furnished to the custodian, manager and the trustee of the scheme. Aside from the members, other parties such as service providers, sponsors, and trustees are likewise entitled to ask authorized personnel to make decisions on disputes and complaints filed involving retirement benefits.

Once your retirement or your pension complaint is received by the authority, it will be their duty to investigate and decide on what the resolution would be. An authority's decision is necessary and concluding, and can be imposed in a court of law. If you believe that your case needs more investigation, you can challenge the decision of the authority by appealing to a tribunal - which is set up under the Retirement Benefits Act.