Experts have called on the government to provide financial help for SMEs when the National Pensions Savings Scheme comes into effect in 2012.Under the new scheme, which employees will be automatically enrolled into, companies will have to contribute four per cent of a worker's salary to a pension scheme. The worker will contribute three per cent and the government will add an additional one per cent.However, talking on BBC Radio Five Live's 'Wake Up To Money' programme, David Yeandle, deputy director of employment policy at the Engineering Employers' Federation, said that many SMEs simply would not be able to afford to pay so much into employee pension schemes."The major concern that we have about this proposal is that the government hasn't addressed our concerns that it needs to provide some initial financial assistance for such smaller employers when the scheme is introduced in 2012," explained Mr Yeandle."I think there is a very important need for the government to try and engage the small business community in this major and very important reform of pensions because it is precisely their employees who are the people who are going to be encouraged to save."Recently, the Department of Work and Pensions announced that more people would be eligible to receive the full UK state pension if changes to current legislation were approved."This bill would create a more generous, fairer state system that would become a bedrock, on which people can build up decent private provision," said secretary of state for work and pensions John Hutton.© Adfero Ltd