Anne Rabbitte (Fianna Fail)

I should have said in my initial contribution that I want to thank the witnesses for the work they have done. It is great to have it in the programme for Government. It is wonderful to have the Minister behind this and it is good that the witnesses acknowledged that previous Ministers have been full square behind getting this delivered for people. It is important, so while I might ask thorny questions, it is only because I think people are trying to understand more about it.

My next question relates to comments by Deputy Gallagher and Senator O'Donovan which Mr. Duggan answered regarding whether funding can be put into it. What about ill health? Say,God forbid, I was to get sick. Say I am 55 and I still have 11 years to run on it, what are the options to support me if I suffered ill health? If it was an occupational scheme, I would have cover to protect me. I take on board what Mr. Duggan has said about the scheme being private but are there any safety clauses for ill health in the case that a person might not be able to continue to work and to contribute to the scheme? That is one of two questions.