The Department for Work and Pensions will implement a system where small pension pots follow workers when they change jobs.
The Department for Work and Pensions will not publish its proposals for state pension reform until the autumn due to the "complexity" of the system.
Pensions minister Steve Webb says it is a "proud moment" as early stagers begin to auto-enrol their workforces in the first foray into auto-enrolment.
The pensions industry has rallied behind Steve Webb over his suggestion that the government should intervene in the way defined benefit liabilities are calculated.
Joint life annuities still have a role to play according to the Pension Advisory Service.
Steve Webb will call on the industry to create saving vehicles with affordable guarantees to meet the "huge appetite for certainty" among consumers.
The Department for Work and Pensions has published guidance on auto-enrolment scheme certification for employers and advisers.
The universal state pension due to be implemented from 2015 will penalise people with additional rights accrued under the current system, a consultant warns.