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Pensions Bill

I am grateful to all noble Lords who have spoken in the debate. I was going to say ““short”” debate, but it has taken three-quarters of an hour, which shows how important it is. The Minister threw in quite a few red herrings. We are talking not about auto-enrolment but about a specific group of people—probably mostly women over 50 on low earnings. They are not the sort of people who read the financial pages of the papers and know automatically what to think about auto-enrolment. They are what the noble Lord’s department called the hardest-to-reach groups. We think that the Bill gives us a duty—not just a chance—to include this provision. Everyone should have generic financial advice if they need it and it is good that many people now provide it. However, we have a chance in the Bill to do something; we cannot do anything about it just out of the blue. What will employers be told about auto-enrolment when all the information comes to them? Will the Minister say whether they will get information such as, ““If there are people over 50 in your workforce, you must tell them that if they receive means-tested benefits it may not suit them to auto-enrol””? Will that be in the information pack that is sent to employers? We are in the dark about the advice that they will get. We will certainly return to this issue on Report. We may not have the wording absolutely right but we will have another go at it, as we need to tease out further what we can do on this issue. Does the Minister want to come in on what I have just said?