Scottish Life head of pensions strategy Steve Bee is callling on the Government to allow women to increase their pension contributions.
He says with the 2010 deadline on the horizon for pensions reform, women must increase their deposits.
He says currently, over 70 per cent of women end up with no state pension entitlement or a reduced entitlement through incomplete contributions.
On a recent Pensions Radio discussion, he said hundreds of thousands of women had not made the pensions contributions required to qualify for the maximum amount of the basic state pension.
Bee said: “If women do not make one in four of the contributions they are supposed to make, the Government do not recognise this as a serious attempt at saving, so women end up with either no state pension or a reduced one.
“Also, in the run-up to 2010 deadline, what about the women who know they have not made adequate contributions and are prepared to make them up now and fix the problem for themselves with their own money? Not allowing women to do this sends out a clear message that they still need to be wary of pensions savings and tread very carefully. This cannot be a good outcome.”