PensionHunter

What a national pension institution told us in writing, as published on our answers page: the institution, its answer exactly as published, any translation marked as ours, the date of the reply and the link to that answer on pensionhunter.ai/answers. The question is free text, matched to the questions we hold answers to for that country; when nothing matches, the result lists those questions. When we wrote to the country and hold no answer yet, the status says so with the date we asked, from our record of letters sent. Institutions only, never a person. A passage that gives a contact detail stays on the answers page and is returned with its link and the reason. Accepts names, native names, aliases and ISO codes.

For each country in a work history: whether a pension is likely to exist and why, with a verdict that says what it depends on (Singapore CPF depends on citizen, permanent resident or pass holder status) and a reason that fits the years, birth year and employer given (a rule or figure valid only for other dates is never quoted), the free official routes and an official contact abroad first, what is hard from abroad by scheme and process, a dated obligation only where it applies, the dates that would change the answer, where dormant money moves to an unclaimed money body, the workplace pension plan for an employer we researched, and the free official route with contact details. Years may be exact, rough ("around 2005", "late 1990s", "the 1990s") or unknown; we never refuse for missing years. A mapped country carries its institution and official route instead, and a call with only mapped countries carries no next step. Countries accept names, native names, aliases and ISO codes. Nothing sent is stored.

One country's facts, the official free routes first: freeOfficialRoute (never empty for a covered country; each route with what it does, the scheme it covers and whether it works from abroad) and contactAbroad (an official contact for people living abroad), then whatIsHardFromAbroad (honest and specific, one fact per scheme and process: tracing, record or payment), what the money is worth and dated obligations. Every fact is labelled by scheme (state, workplace, provident or personal) and carries its source and read date. whyTheFreeRouteFailsFromAbroad is deprecated and carries the first whatIsHardFromAbroad fact for one more version. Pass the person's question, or pensionType, and the answer is about that kind of pension (state, workplace, provident or personal): facts about another kind are left out and named. Accepts names, native names, aliases and ISO codes. A mapped country returns tier: mapped with its institution, official route and agreements, and no next step. Any other country outside our coverage returns covered: false with a note.

Returns a link to our order page, with the report and the countries the person chose filled in, and the fee from our price config. The order page leads to payment: a Stripe checkout is opened there only when the person chooses to pay, never by this call. Call it when the person asks to order or asks what an order costs. Send only the countries and the tier, never a name, email address or any other personal detail. Prices: Country Pension Identification Report $99 per country, one report covering every country you tick; Enhanced Pension Identification Report $199 for one country; Global Pension Identification Report $299 in one report, best from 3 countries. The Country report: Identification only: we name who holds each pension in every country you tick, with the sourced contact route. The Enhanced report: For one country: every fund identified, a complete, ready-to-send information request for each one, and our team of experts with you until the end, through every reply. The Global report: For every country you worked in, in one report: every fund identified, a complete, ready-to-send information request for each one, and our team of experts with you until the end, through every reply. You send each request to the pension body yourself; we never contact a fund for you. Only countries we cover can be ordered.

For a country the person left, and the date they left or, where the clock runs from a death, the date of death: the date our deadline register's rule gives, by adding the period stated in the register row to that date. The free official route comes first, with the official source page, the verbatim quote and the date we read it. Rows whose start event is not stated, or is not the date given, are returned as rules without a date. Send only the country and the date; nothing is stored. Identification only: we do not advise, and the official body decides.

For fund-side agents: how many confirmed, plausible people are registered for a pension fund, shown from 10 upwards, otherwise "fewer than 10". An aggregate only: no registrant is ever listed or identifiable.

What GPFR, the Global Pension Finding Register is, in the caller's language: a free register where people who worked abroad add themselves once and, as pension funds join, they check it for former members they cannot reach. Free for people; funds and trustees pay per confirmed match. Nothing is shared unless the person and the fund both say yes. Returns the register page in that language, the consent text and its version (show it to the person before gpfr_register), and, with a country, the pension fund pages we publish for it. Read only.

Registers a person in GPFR. First show the person the consent sentence from gpfr_info (consent.text), word for word, in their language, and ask whether they agree. Call this only after they say yes, with consent.consent_text_version equal to the consent.version you showed and person_said_yes: true. Send their email, full name, date of birth, work periods (country, years, optional employer and fund), optional earlier names and national number, and the consent object {consent_text_version, person_said_yes: true, timestamp, client: {name, version}}. Without the consent object, without the yes, or with a version we did not issue, the call is refused and nothing is stored. Name, earlier names, date of birth, national number and employer names reach our server as text; we turn them into codes on receipt and keep only the codes, never the text; nothing is logged or returned. The registration stays pending until the person clicks the link in the one confirmation email we send. You never give the second yes: sharing with a fund is agreed only through the link in our match email. The result is a status and a reference, never a personal detail.

The status of a GPFR registration. Call it with the reference from gpfr_register: we email a one-time code to the registered address, and the answer is the same whether the reference exists or not. Call again with the reference and the code the person reads out: the answer is one of pending_email_confirmation, registered, possible_match_awaiting_your_yes or confirmed_by_fund. Nothing else is returned. The yes to a fund is never given here.

The countries PensionHunter covers, each with its ISO code and one sourced line on what exists there, and separately the countries we have mapped but not yet researched, each with the institution that pays its old age pension. Takes one optional input, language, for our own sentences in any of 27 languages.

Three things about an employer name, typed however the person remembers it. First, the country it implies, from evidence in the name: a country name, a city (from our sourced city table, so "London" places it in the United Kingdom and "Kuala Lumpur" in Malaysia), a nationality word or a national legal form. Second, the employers we hold that the name may mean, matched after setting aside city, legal form (Ltd, plc, International, Sdn Bhd, Pte, GmbH, B.V., N.V.), punctuation and case, each with a confidence from 0 to 1, across every country when the name carries none. Third, what the employer is called now, from official registers, and for employers we researched by hand, the group it became and its workplace pension plan, each fact with its source page, verbatim quote and read date, the plan's published contact, and the free official route. Legal entities only, never people.