PensionHunter · Cross-Border Pension Research
You did not forget your pension. Most people never knew they had one.
Independent, evidence-based Pension Identification Reports in 41 countries, for people at home or abroad, and for the executors, trustees and advisers who act for them.
Every report is read by a human researcher before it is sent.
60 secondsyour LinkedIn profile or a few quick questionsno charge
The cause
Why this happens
Schemes do not lose the money. They lose the person.
A pension is opened in your name. You move on, and then you move house. The scheme writes to an address you left years ago. The employer is bought, renamed or wound up, and the scheme passes to an administrator you have never heard of. Nothing is stolen and nothing expires. The file sits there with an address that stopped working.
The long version, with sources: the non-resident gap
The self test
Could this be you?
Four questions. Tap the ones that are true for you.
Try it yourself. We publish the official pension portal for every country we cover, free. If you can get in, start there. For one country it may be all you need. It will not show you what the other countries hold, and in many countries the portal covers the state pension only.
The evidence
See exactly what you get, before you decide.
If you have been putting this off for years, you are exactly who we built this for. Pensions are rarely gone: usually the scheme simply lost track of you. Three minutes of rough memories is all it takes to start, and this is what you get back.
Where did you work?
Choose a country. The sample below rebuilds for that country's system.
Every country our identification work covers is shown here. Where a sample is already written the tile rebuilds the sample below. Every other tile opens that country's own guide page. The full list also sits on all countries.
United Kingdom, single country
UNITED KINGDOM SAMPLEYour report is built around
Name-match provider register, and State pension (NI record).
No single UK login shows what is in your name, so schemes and administrators have to be identified one employer at a time.
State pension position: State pension (NI record).
Findings at a glance
- • Employer dissolved in 2004, traced through 3 name changes to today's administrator
- • Scheme wound up and bought out with an insurer, the insurer's administrator identified
- • Live plan recorded under two names, both surfaced so a request cannot miss the record
- • Contracted out period flagged, guaranteed minimum pension equalisation arrears to raise in writing
- • State Pension position set out, with the deadlines that apply to you, each with its date
Your detailed source-by-source findings follow.
Administrator to contact
Strong leadNorthgate Pension Administration Ltd
Northgate House, 22 Coleman Street, London EC2R 5AN, 020 7946 0421
Quote: all three historical scheme names
Executive preview
This report identifies who holds each pension from the employers provided, with sources, a confidence rating and the exact next step for each.
Researched and compiled by the PensionHunter Research Team.
This is the United Kingdom sample, produced by the same methodology that runs every real case.
Provider and register names are real. The client and employers are fictional. No real records were accessed or exist.
Every report contains:
- Every administrator identified, with verified contact route
- The exact request to make of each, spelled out
- Your State Pension position and the deadlines that apply
- Sources and a confidence rating on every finding
- Human review before release
All we need to start is your name, date of birth and your work history from memory. Approximate dates are fine.
The report is yours to keep: file it, hand it to your family. If anything ever happens to you, it is how they will know what exists and where.
Three sample findings for United Kingdom
Sample finding · United Kingdom
Your employer was dissolved in 2004. That ended the company. It did not end the pension. We traced the scheme through every rename and transfer to the administrator who answers for it today, and every step is a public register entry with its date, not a guess.
Sample finding · United Kingdom
Your employment falls in years when schemes of this kind commonly contracted out of the additional State Pension, so guaranteed minimum pension equalisation may apply to your benefit. Arrears can be raised in writing with the administrator once your record is confirmed, and the request in this report already positions that question.
Sample finding · United Kingdom
Gaps in your National Insurance record can still be filled, and each open year carries its own deadline. Your report sets out which years are open to you and the deadline that applies to each, because the window narrows year by year as older years fall away.
Why PensionHunter finds what others miss
Your report lands with the evidence, the contacts and every request written and ready to send. Start the same day, with the research team behind you.
A national portal usually shows one system. In many countries it covers the state pension only, and says nothing about a workplace scheme held by a former employer's administrator. A working life abroad usually produces both. We identify both, and set out where you stand on each.
We trace employers through mergers, renames and closures.
Most pension entitlements do not expire. A few do. In some countries the right to ask runs out a fixed period after you leave. In others, money left unclaimed is moved out to a different government department, and the person is not told. We check whether anything of that kind applies to the countries you worked in, and say so with the source and the date.
Contribution rules, identification requirements and the routes open to someone living abroad all move, sometimes within a year. Every fact in a report carries its source and the date we checked it, so you can see how current it is rather than assume. Where a rule is already due to change on a known date, the report says so.
- Read the method in fullEvery step we take, written down, before you spend anything.
One method, consistent across every country we cover, plus 2 additional markets available for qualifying segments, Croatia and Poland.
The process
How it works
Paste your work history, or upload your LinkedIn profile PDF, and see which countries may hold a pension for you and which can be ruled out. No sign in, no charge.
Three minutes, rough dates are fine.
It traces your employers through mergers, renames and closures to the administrator holding the record today, gives you the sourced route to them and sets out your state pension position. Full refund if we find nothing material.
Or upgrade to the Enhanced Pension Identification Report (Country), or the Global Pension Identification Report (Worldwide) if you worked in more than one country, for your Action Pack: every letter prepared and ready to send, with expert support from the PensionHunter research team. Your Country report fee is credited.
All decisions stay yours.
What you are asking for
Not this
You are not asking us to claim your pension.
This
You are asking us to identify who holds it.
The fee
What it costs
$99
delivered within 48 hours: who holds a workplace pension in your name, in which country, on what evidence, and where you stand on the state pension there. Fixed fee. Full refund if we find nothing material.
The Pensions Policy Institute counts 31.1 billion pounds sitting in 3.3 million forgotten UK workplace pensions, an average of 9,470 pounds each. Source: Pensions Policy Institute, Briefing Note 138, 2024.
Worth knowing
Most pension entitlements do not expire, but a few do: in some countries the right to ask runs out, or the money moves to another government department.
Who this is for
If one of these is you, there is probably a record with your name on it.
You worked in more than one country
Every country you worked in keeps its own record, and none of them talk to each other.
Your old employer changed, merged or closed
The company name on your payslip is often no longer the name that holds the pension.
You moved, and the post stopped
Statements go to the last address a provider had for you. Silence is not the same as nothing.
You are looking on behalf of a parent or an estate
Families need one document that names what exists and who holds it.
On the record
We write to national pension authorities and publish what they say back.
- Twenty-six
- authorities have replied to us in writing.
- 53
- systems studied, publishing Thursday 1 October 2026.
"Sporocamo vam, da taksne javno dostopne evidence ne vodimo. Tovrstne primere obravnavamo posamezno in zaradi varstva osebnih podatkov v konkretnih primerih niso objavljeni"
Our English rendering
We do not maintain such publicly accessible records; such cases are handled individually and, for personal data protection reasons, are not published in specific instances.
Get your affairs in order
The folder your family hopes exists.
The will is done. The house papers are filed. A pension nobody knows about is a pension nobody receives.
Already holding a report for someone who has died? Start here.
- The will
- The insurance
- The house papers
- The pensions
The row most families are missing.
Questions before you start?
Ask us anything: your countries, your situation, how the Pension Identification Report works. A researcher replies personally.
Start with the free check. You may be surprised what has your name on it.
Find my pensionsA real person reads every check that comes in, usually the same day.