My brain hurts

OK, I am really confused. I now have a pension, I think...did I tick the right box??!! I have life insurance, but no dependents. I can claim my benefits with Mr. H, but he is not technically my common-law partner. We can change our plans if we get married, but the powers above might question why we didn't 'declare' each other sooner...but he is still not my common-law partner, so really, there is nothing to declare in the 1st place.

Yep - those forms are as clear as mud.