Our recent paper on state-mandated private pension schemes in Western Europe has been criticised by Ginn because it did not look specifically at the impact of private provision on women. This was not our intent, but she raises important issues that are largely ignored in economics-driven pension privatisation policy discourses. She has addressed this omission by demonstrating that private pension provision may result in significant levels of economic disadvantage among women retirees. We do not disagree with the broad thrust of her analysis and its conclusions. However, because she has failed to appreciate the crucial difference between voluntary and state-mandated private pension provision, her thoughtful analysis does not invalidate our proposition that the state-mandated provision of private pensions in Western Europe is consistent, to varying degrees, with the notion of collective responsibility for needs satisfaction.