A State Pension forecast is an estimate, not a formal refusal of your pension claim. If it shows you may not qualify or could receive less than expected, check your National Insurance record for missing years, gaps or incorrect credits. You may be able to improve your forecast through future contributions or voluntary National Insurance payments, but check the cost and likely effect with the Future Pension Centre before paying. If your actual State Pension claim is refused, ask the Department for Work and Pensions for a written decision and consider requesting a mandatory reconsideration through GOV.UK.