Women’s State Pension Age Communication: PHSO Report

Debate between Baroness Nichols of Selby and Baroness Sherlock

Monday 2nd February 2026 Lords Chamber

[Baroness Sherlock (Lab)]

I thank my noble friend for that question, particularly for the recognition that this sounds simple and in fact is very complex. One of the things that has made it so difficult is that it sounds so simple, but the Government had a very specific job to do, which was to respond to a particular report from the ombudsman which had particular findings, and that is what my honourable friend the Secretary of State did. He reviewed what the ombudsman said, looked at the evidence presented to him and made a decision. But my noble friend is right; the Government want to make sure that we support pensioners. For example, a commitment to the triple lock will mean that pensioners could see their incomes rise by up to £2,100 a year by the end of the Parliament. Through our investment in encouraging people to claim pension credit and in extra help for people for heating their homes, there is lots that we are doing to support pensioners, and that is the place to put scarce resources.

[Baroness Nichols of Selby (Lab)]

My Lords, does the Minister agree that it is obviously a very difficult situation? I know noble Lords might not believe this, but I speak as a WASPI woman born towards the end of the 1950s. It might have been different for those born between 1950 and 1957, but I am absolutely certain I got a letter telling me that. The issue around women retiring at 60 and men at 65 was done from a post office worker in York, I understand. It was always going to be difficult, because they were never going to put men’s down to 60; it was always going to be the other way around.

I also had a friend who worked in the department at the time, who was absolutely certain that letters did go out. We cannot guarantee that everybody got one, but he is absolutely certain that people probably did. Women sometimes made choices. When I got married, I did not have the option of paying the small stamp, the married woman’s stamp, but people before me did. So, it is about getting that message out to people now that you cannot rely on somebody else’s pension support; you have to do it for yourself.

[Baroness Sherlock (Lab)]

My noble friend makes an important point. That is why we are trying to get people, particularly women, to check their state pension age and check exactly what they are going to get. Especially now that the new state pension is different from the old state pension, it is important they all know.

I thank my noble friend for her honesty. It makes an important point about the nature of letters. The department did and does write to people sometimes about different things, but people’s recollection of unsolicited letters is not very good. I confessed when we discussed this the last time that when I first went to the department, I said, “I never got a letter about my pension”. And they said, “Well, Minister, we definitely sent them out”. I said, “Well, I didn’t get it”. And then, just over a year ago, I moved house and, when I unpacked a box, what should I find at the top of the box but a letter from the department telling me about the change in my state pension age?

At that point, I became much more open to the notion that most people would not have made a different decision had we sent the appropriate letters in that 28-month period—which is not to say that we should not put all the efforts into communicating as well as we possibly can through all the different ways we can to make sure that everybody knows what is happening. There is little more important when you are coming towards retirement age than knowing you will be able to pay the bills and look after yourself, and I hope we will do all we can to support that.