Even if you have been saving for your retirement for most of your working life, your pension may not be big enough for you to live on comfortably when you do retire or provide enough for your dependants.
The Scheme is considered to provide a reasonable benefit for many of its members in retirement but depending on your circumstances this may not be the case for you.
Your pension may not be enough to live comfortably on if you:
had a career break
joined the Scheme later in life
opted out previously
want to retire early
want to provide more for your dependants or
have moved jobs a few times