15/02/2026
There is no upfront cost. The forensic audit is conducted at Kavan AI’s expense. The fee comes from the pension increase and arrears recovered.
You spent years caring for your family. Those years have a value. If the system did not count them, Kavan AI finds them and gets them counted.
Kavan AI — Every year of caring counts. We make sure the system counts them too.
Your Pension Record Is Free to Check — Here Is Why You Should.
The Department for Work and Pensions holds a record for every person who has ever worked or claimed benefits in England and Wales. That record determines how much state pension you receive. It is the single most important financial document of your retirement. And most people have never looked at it.
The record contains every National Insurance contribution you have ever made. Every credit you have been awarded for caring, unemployment, or incapacity.
Every year that counts towards your qualifying total. And every gap — every year that does not count, every credit that was not applied, every contribution that went missing.
The DWP uses this record to calculate your state pension. If the record is wrong, the pension is wrong, And the DWP has demonstrated, through its own correction exercises, that the record is wrong far more often than anyone assumed.
Married women’s pensions were not uplifted. Widows’ inherited pensions were not added. Over-eighty uplifts were not applied. Home Responsibilities Protection credits were not converted. The errors are systemic, they are widespread, and they are costing pensioners — predominantly women — billions of pounds.
You have a legal right to see your record. Under GDPR, the DWP must provide it within thirty days of a valid Subject Access Request. The record itself is free. But interpreting it — understanding what it means, identifying what is missing, and calculating what you are owed — requires forensic expertise that most people do not have.
This is what Kavan AI provides. The forensic pension audit takes your complete National Insurance record and subjects it to a comprehensive analysis. Every contribution is verified. Every credit is checked. Every qualifying year is confirmed. The pension calculation is rebuilt from scratch and compared against what the DWP is paying. Every discrepancy is identified, quantified, and documented.
The audit covers every known category of underpayment: Category BL married woman’s pension, inherited pension from a deceased spouse, over-eighty uplift, Home Responsibilities Protection credits, COPE deduction accuracy, and any other error that affects the pension amount. It also identifies voluntary National Insurance contributions that could be made to fill gaps and increase the pension — contributions that are often far more cost-effective than any other form of retirement saving.
The process costs nothing upfront. Kavan AI submits the GDPR request, obtains the record, conducts the audit, and presents the findings. If recoverable amounts are identified, the fee comes from the recovery. If nothing is found, nothing is owed. If the audit identifies opportunities to increase the pension through voluntary contributions, that advice is provided as part of the service.
Your pension record is the foundation of your retirement income. If it is wrong, everything built on it is wrong. The only way to know is to check. And the check is free.
