Why Start with Your NI Record and State Pension Forecast

What to Look For (Checklist)

• Years where you were caring or a Child Benefit claimant but the record shows no credits.
• Mismatch between qualifying years and your care/CB history.
• Pre-2000 years with name changes or address moves that need bridge documents.
• Forecast notes suggesting voluntary contributions — don’t pay until HRP outcomes are clear.

Decision Flow (Simple)

• Export NI record & forecast as PDFs (add the date to each filename).
• Mark target years aligned to your care/CB history but lacking credits.
• Build your annex and submit HRP with exhibits.
• Re-check the NI record after HRP is decided.
• Consider Class 3 only for remaining uncovered years that actually improve your forecast.

Before/After Copies (for Audit & Appeals)

Keep both a ‘before’ NI record & forecast and ‘after’ copies once decisions are made. This creates a clear audit trail for appeals, complaints, or future reviews.

Common Mistakes (Avoid These)

• Paying Class 3 before HRP decisions are recorded.
• Assuming a single line on the forecast proves/disproves HRP — always cross-check the detailed NI view.
• Not bridging name changes or address history (1978–2010).
• Sending photos that cut off names/dates — scan cleanly and keep everything legible.

FAQs

Do I need a BR19 paper form?
The online forecast is usually fine; BR19 can be used if online access is difficult.

My forecast suggests buying Class 3 — should I pay now?
Not until HRP decisions are recorded. HRP may convert gaps into qualifying years, making some top-ups unnecessary.

What if I can’t find old Child Benefit letters?
Use alternatives: bank references to CB, HMRC letters, tenancy/council-tax bridges, and short dated witness statements.