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If you're not a member of an occupational scheme, ethical personal pensions are an option.
The move could be combined with scrapping the government's planned occupational scheme "for all".
If you are already a member of an occupational scheme, find out what your pension company's stance is.
The government says 4.6m employees have the right to join an occupational scheme but have not done so.
But if you are in a money purchase occupational scheme, it is likely that your scheme trustee is the member and your scheme, not you, will benefit directly.
The remainder would be held to supply a universal second pension, using the structure of the NPSS but ensuring that it covered every employee not already a member of an occupational scheme.
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FairPensions surveyed the UK's 30 leading occupational schemes, with dire results.
"We will then need to judge whether the law is strong enough to protect future pensioners' contracts in occupational schemes".
Private companies who opted out would be allowed to change their occupational schemes to offset the extra cost.
Ministers have spent the last four years negotiating with unions to cut costs in the main public-sector occupational schemes.
In addition, there may be complications in some pension schemes paying out to unmarried partners in the event of death, especially when it comes to occupational schemes.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com