However, Mr Turner did acknowledge that the second state pension was "muddled and for many people impenetrable".
However, if a person has paid into a second state pension already then they will get the money back, a spokesman said.
The NAPF has proposed scrapping the second state pension in favour of a universal pension which would rise in line with average earnings.
Mr Turner also said that the Pensions Commission remained "unconvinced" that scrapping the current second state pension to create a simplified state system was the best option.
He also said that all current workers' accrued second state pension rights will be recognised, so they will be paid a top-up to the new, merged, flat-rate payment.
While many people will gain as a result of the changes, some who currently pay in to a second state pension - which is being abolished - will lose out.
This, says the National Association of Pension Funds, will require constant redesign of schemes, and could leave it unclear whether a stakeholder, company, or second state pension is best for an individual perhaps opening the way for another mis-selling scandal.
This will abolish the current practice whereby employees get a National Insurance (NI) rebate of 3.4% for contracting out of the second state pension to enter final-salary schemes, which affect more workers in the public sector such as in the NHS, the UK's largest employer.
It will involve merging the state second pension with the basic state pension, to create one flat-rate payment.
The change involves merging the state second pension with the basic state pension.
The State Earnings Related Pension Scheme has been replaced by the State Second Pension and is an amount that is payable to employees who were members of the scheme.
The state pension comes in two parts, a basic state pension and an earnings related element previously called Serps, but now known as the State Second Pension (S2P).
The Treasury will get more because the new system stops people contracting out of the state second pension.
The new system will be funded in part by the early abolition of the state second pension, an earnings-related scheme.
Meanwhile, several million employees in the private and public sectors are opted out of the state second pension because their final-salary schemes pay an equivalent benefit.
The effective abolition of the separate state second pension, and its incorporation into the new enhanced single-tier version, will end the complicated system of so-called "contracting out".
The Labour government has made much of its pension changes: in particular the introduction of stakeholder pensions and the replacement of the earnings-related state second pension with a more expensive scheme aimed at poorer workers.
The government will have to decide if these individuals should receive the full flat-rate pension, if they first qualify for it after April 2017, despite the fact that they will not have not been making full national insurance contributions for the state second pension in the preceding years.
Raising the pensionable age would therefore let the government take Lord Turner's second step: making the state pension more generous.
The charge, only the second one made against a state for its public pension disclosures, stems from a new focus on the municipal bond industry, which has historically received far less scrutiny than the private sector.
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Second and more important, most private-sector workers belong to a state-pension scheme in which today's contributions, instead of going into a long-term investment fund, are used to pay today's pensions.
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