What do you mean you don’t read Superannuation Complaint Tribunal determinations in your lunch break? I do – and a recent determination highlights the effects of having no plan on the family you leave behind. You can read the full determination yourself here or read below for a summary. The determination uses terms like ‘deceased member’ and ‘complainant’ but I have given names to the parties to make it a little easier to follow. Bill passed away on 6 September 2010, aged 49. He suffered from pancreatic cancer. He left behind a partner (Sandy) to whom he was engaged. Sandy was 46 when Bill passed. Bill & Sandy were engaged for about 5 years prior to Bill’s death and lived together. Bill had 4…