Domestic and Family Violence Policy
Introduction
This Policy outlines OnePath’s approach to managing vulnerable customers affected by Family Violence.
OnePath seeks to minimise impact to customers by providing support and practical assistance to those affected by family violence.
What do we mean by domestic and family violence?
In this policy, OnePath considers ‘family violence’ as: “violent, threatening or other behaviour by a person that coerces or controls a member of the person’s family or causes the family member to be fearful”, consistent with the Family Law Act 1975.
Domestic & family violence isn’t just physical. It can also include:
- Emotional or psychological abuse
- Financial or economic control
- Sexual abuse
- Threats of harm to people or pets
- Damage to property
Family violence is not limited to physical instances of violence and may also include emotional, psychological, financial/economic, sexual abuse and threats of abuse. Family violence can include damage to property and animals. Customers affected by family violence fall within a broader class of ‘vulnerable customers’.
OnePath's priorities in managing customers affected by family violence
OnePath’s priorities are:
- The fair and sensitive treatment of customers affected by family violence, ensuring they are treated with dignity and respect.
- The decisions made consider the safety of the customer and their family.
- The provision of support to our staff who are dealing with, or may deal with, sensitive cases, including customers affected by family violence.
Management of situations where family violence is identified or suspected
OnePath will:
- Take additional care when dealing with customers affected by family violence and provide additional support and assistance in connection with the provision of insurance services, where reasonable.
- Not require evidence of an intervention order to trigger the requirements of the family violence policy. Someone self-identifying as being affected by family violence will be treated in accordance with the policy without further evidence being required.
- Treat all information about a customer affected by family violence as sensitive and will take measures to ensure the information is kept confidential.
- Engage with the customer to discuss safe ways to communicate and record these communication methods on the customer’s file.
- Engage with the customer to determine if communication should involve the customer’s financial counsellor, lawyer, community services or social work, legal aid officer or family violence specialist.
- Where reasonable, minimise the information that a customer is required to provide and the number of times a customer is required to disclose the same information, noting that they may not have access to their personal information, records and documents.
- Where possible, provide customers with consistency in speaking to one staff member, or a single pathway of escalation.
- Encourage customers experiencing family violence to notify OnePath of that fact via the OnePath website and relevant correspondence.
- Ask a customer who self-identifies as being affected by family violence what their financial situation is, to determine whether they are also experiencing financial hardship.
- Refer customers to specialist, external family violence and financial hardship services, as appropriate.
- Provide vulnerable customer training to all staff, including Family Violence training.
- Appoint an appropriately trained staff member to support a vulnerable customer, as required.
- Provide support to OnePath staff affected by family violence or who are affected by dealing with vulnerable customers through an employee assistance line, line management or human resources discussions, training and the provision of resource documents.
- Provide a copy of the public Family Violence Policy to a customer upon request.
Complaints
OnePath is committed to assisting you when you need us most
If a customer is dissatisfied with OnePath’s management of their vulnerability, they can lodge a complaint. OnePath is committed to providing a high level of service and we have arrangements in place for resolving any complaints our customers may have. We will always endeavour to address your concerns as a matter of priority and will work with you to resolve your complaint.
If you wish to make a complaint about any OnePath service or product, you can lodge a complaint through our website onepath.com.au/about-us/complaints or using one of the ways to contact us below. We recommend having an email address and phone number on hand, and a policy number if applicable.
By phone:
OneCare Life Insurance products: 133 667
All other life insurance products: 132 062
International callers: +61 2 9995 3077
OnePath Investments : 1800 646 706 / +61 2 9995 3777
8.30am-6pm AEST Monday - Friday
By email:
insurancefeedback@onepath.com.au
By mail:
Dispute Resolution Manager
GPO Box 4148
Sydney, NSW 2001
OnePath Complaints Policy:
Further information about the processes we have in place to help you with complaints is set out in the OnePath Complaints Policy. We also have the policy available in other languages.
Customers needing additional help
OnePath will confirm that we have received your complaint and work with you to provide an outcome as quickly as possible.
If we need more than 5 days to review your concerns, we will refer you to our Dispute Resolution Team who will undertake further investigations.
Your dedicated contact will keep you regularly updated with the progress and will work with you to discuss options to resolve your complaint.
Once we have come to a decision on the outcome of your complaint, we will discuss the proposed outcome with you.
A written response outlining our complaints decision will be provided no later than 30 calendar days where your complaint relates to a life insurance policy, or 45 calendar days if it relates to a superannuation product.
Hearing and speech impaired customers can contact OnePath via the National Relay Service on 1300 555 727.
Customers requiring translation assistance can contact the Translating and Interpreting Service on 131 450 and request they contact us on your behalf.
The OnePath Complaints Policy is also available in the following languages:
What if I’m not satisfied with your proposed decision or resolution to my complaint?
If you are not satisfied with our response, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA provides fair and independent financial services complaint resolution that is free to consumers. AFCA’s contact details are:
Website: www.afca.org.au
Email: info@afca.org.au
Telephone: 1800 931 678 (free call)
In writing: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
Time limits may apply to lodging a complaint and you should act promptly or otherwise consult the AFCA website to understand if and when the time limit relevant to your circumstances expires.
In some cases where the complaint is about a Life insurance Policy a superannuation fund trustee owns, you will be advised if the trustee is required to give you a final written response about your Complaint. Where this applies, you will receive this within 45 calendar days of us or them receiving the Complaint. This response will include:
(a) Identification and response to the issues raised in the Complaint with a summary of the information relied on; and
(b) The action/s taken to resolve the Complaint or the reasons for the decision.
You will be able to ask for a copy of the documents and information relied on in assessing your Complaint. You will also have the right to take your Complaint to an External Disputes Resolution Body if you are not satisfied with the trustee’s decision.
Our Promises to You
When you take out life insurance, it’s important that you get the highest standards of service in all your dealings with us.
That’s why we have adopted the Life Insurance Code of Practice. It’s the life insurance industry’s commitment to mandatory customer service standards and it’s designed to protect you, our customer.
Visit onepath.com.au/licop for more information.
OnePath Life Limited (OnePath Life) ABN 33 009 657 176, AFSL 238341
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