Pensions Bill

It is a wonderful idea, but just how is it going to be achieved? Who will do the aggregation? Who will be responsible for paying? People in the situation which the noble Baroness described have the opportunity to pay voluntary,class 3 NICs, which may well be suitable for them,but even if they chose not to make voluntary contributions, they would not often find themselves missing out on a full state pension. Now that the Government have lowered the NICs requirement to only 30 years, and have extended NI credits, a person would by my calculation have to hold down two part-time jobs for in the region of 20 years, while never bringing up a child or undertaking significant caring responsibilities, not to qualify for a full pension. I do not know whether the Minister will agree with my mathematics, but I shall be very interested to find out.