Hi Zumba,
my take on your post is that you have reached a time in your life (I don't know what age you are, so only going on your post), where you have hit the "what am I doing here, where am I going, what will I regret, what is it all about, etc." phase. This has caused you to fixate on one aspect in the (possibly) distant future, i.e. the possibility of a pension when you retire.
This part of your life can be one of the most exciting, if approached openly, with a sense of adventure, and the desire to savour the present oppertunities (which you may be missing as you worry anxiously about what "may" happen). After all, you may not reach retirement!
So' Id suggest having a think about why you are worried about something that may or may not happen in the distant future. And what are you going to do now on the road to getting there.
(And listen to Baz Luhrmanns "Wear Sunscreen" song
https://en.wikipedia.org/wiki/Everybody's_Free_(To_Wear_Sunscreen)
And I hope the original poster doesn't mind, but as a wakeup call
http://www.askaboutmoney.com/threads/finances-and-recently-diagnosed-terminal-illness.194930/
We never know what's around the corner, never mind 20 years down the road.
Have a good one.