Workers asked about retirement: have you got a pension?
26 April 2012 Last updated at 15:17 BST
Less than half of British workers are in a workplace pension scheme, which falls to a third in the private sector.
Who is really affected by the so called "pensions crisis" and can government do anything about it?
David Thompson spoke to Institute for Fiscal Studies Deputy Director Carl Emmerson and Labour MP Theresa Pearce MP, who chairs the Parliamentary Work and Pensions Committee.
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