We've written before about the dangers inherent in saving too much into a pension. Our government (like all governments in the West) needs more money, and pensions are pretty easy targets. There's a lot of money in them, most of which belongs to the better-off part of the population, and they get huge amounts of tax relief. Add up those elements, and it's easy for governments to make the case that pension benefits accrue disproportionately to the rich, and should therefore be fiddled with until they are of no value to anyone.
That's why the lifetime limits and annual limits on pension savings have been cut several times (and I suspect will be cut several times more). However, there is one area of pension benefits that the state has not yet really gone for.
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