Pension Review: Phase 2
Lord Bellingham Excerpts(1 week, 6 days ago)
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Lord Kennedy of Southwark (Lab Co-op)
My Lords, it is time to hear from the Green Benches now.
“Get Britain Working” White Paper
Lord Bellingham Excerpts(1 month ago)
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Baroness Sherlock (Lab)
The noble Baroness raises an important point and I pay tribute to her work with the Muslim Women’s Network and with so many in her community. There is a range of support out there and I have seen some good examples. On Employability Day, I spoke to one programme which was doing fantastic work with women from a number of minority communities who were returning to work, or maybe had never been in work, after their children had grown up. They had very particular barriers and the scheme was designed to focus on them.
One of our challenges is finding a way to get people not only into work, which is really important, but to develop in work. I am sure the noble Baroness will know this better than I do, but if you look at the distribution of people who are in jobs at national minimum wage or national living wage, there are overwhelmingly more young people and older people, but also Bangladeshi people and Pakistani people are much more likely to be in low-paid jobs. The one thing we know from the evidence is that if you start at a low pay, you stay in low pay—it is very hard to break out of it. One of the challenges in the new system, which we are determined to get right, as we develop the new national jobs and careers service, is: how do we help people, whatever their background, to have the opportunity to get in, but also to get on and have ambitions?
Lord Bellingham (Con)
My Lords, in opposition, the Labour Party said it would be the most business-friendly ever. However, since the last Budget, is the Minister aware that every single employer organisation, ranging from the CBI and the IoD to the NFU and the British Retail Consortium, have condemned the Budget as being thoroughly anti-business? Can she answer the question from the noble Baroness on the shadow Front Bench about how the Government are now going to repair relations with business? How can the Government deliver these programmes and strategies without the good will and support of business and wealth creators?
Baroness Sherlock (Lab)
As I said earlier, we have been very grateful that business and business organisations have made it clear that they do want to work with us on this, because there is a clear area of common interest. There are currently over 800,000 vacancies in the economy and businesses need to be able to recruit people, but they cannot do so.
On the broader point, I try not to play the political pantomime game on the Front Bench, but I have to say to the noble Lord that if we had not had the economic crash we did, we would not have to take the measures we have done. We did not want to take them, but we have to repair the economy and our public services, and get our economy growing again, and this Government will do what it takes.
Housing Benefit: Temporary Accommodation
Lord Bellingham Excerpts(10 months ago)
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Viscount Younger of Leckie (Con)
We have already taken some actions, and the noble Baroness will know that on 24 January this year the Government announced additional measures for local authorities in England worth £600 million. This includes £500 million of new funding for councils with responsibility for adult and children’s social care, distributed through the social care grant. Taking into account this new funding, local government in England will see an increase in core spending power of up to £4.5 billion next year.
Lord Bellingham (Con)
My Lords, is the Minister aware that if you look at any high street in the country, you will see many empty flats above shops, particularly above national multiples? Is he aware that, in Norfolk, Freebridge housing association has done an absolutely sterling job in leasing such flats and then renting them out as temporary accommodation, and to permanent tenants as well? Can he tell the House what more can be done to make the most of this underused resource?
Viscount Younger of Leckie (Con)
Absolutely. Although I do not have a particular answer to the noble Lord’s question, I have certainly been reading about some innovative programmes to reinvigorate properties and give them different uses, not only in high streets but in more central areas. This is just the sort of creative thinking that is required to produce more housing, which of course then leads to people moving out of poverty.
Department for Work and Pensions: AI
Lord Bellingham Excerpts(1 year ago)
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Viscount Younger of Leckie (Con)
The noble Baroness raises an important point. We are committed to building trust in our use of AI and are fully aware of the risks of the technology, as discussed at the UK AI safety summit. Where AI is used to assist its activities in the prevention and detection of fraud within UC applications, DWP always ensures appropriate safeguards, and bias is something we are very alive to. It will very much depend on the input of data and we have some risk profiles in place to ensure that we adopt best practice in that respect.
Lord Bellingham (Con)
My Lords, given the appalling amount of fraud within the DWP, costing billions per year, surely we should welcome the fact that DWP is using AI and algorithms to target this problem. The key is presumably that, once AI has reached a conclusion, actual human beings should review the situation. Can the Minister tell the House whether the DWP has robust internal quality assessment procedures?
Viscount Younger of Leckie (Con)
There are couple of questions there. We continue to explore the potential of AI in combating fraud. This includes the integrated risk and intelligence service, using AI to assist in identifying possible fraud in processing universal credit advances. To answer my noble friend’s question, importantly, DWP does not use AI to replace human judgment when considering the potential for incorrectness to either determine or deny payment to a claimant. The NAO and the ICO looked at this issue recently and found no areas of immediate concern.
Health and Disability White Paper
Lord Bellingham Excerpts(1 year, 9 months ago)
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Lord Bellingham (Con)
My Lords, occupational health services up and down the country obviously play a vital role in helping disabled people to stay in work and in their quest to get back into work. However, large firms that have HR departments and other resources find it much easier to access occupational health services than small businesses and micro-businesses, so what can the Government do to help them? Also, am I right in saying that there is a national shortage of occupational health professionals? If so, what will the Government do about it?
Viscount Younger of Leckie (Con)
My noble friend makes a good point: small employers are five times less likely to provide access to occupational health services than large employers. Only 19% of SMEs provide occupational health services for their staff. Bearing in mind that, as I said, this must be a game-changer, we have a number of supporting initiatives in place: developing the test for a financial incentive and market navigation support for SMEs and self-employed people; working with the occupational health sector to identify better ways to support development; and delivering a £1 million fund to stimulate innovation in the occupational health market.
Universal Credit and Debt
Lord Bellingham Excerpts(5 years, 6 months ago)
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Several hon. Members rose—
Sir Henry Bellingham (in the Chair)
Order. In addition to thanking the hon. Member for High Peak (Ruth George) for her exemplary and moving speech, I point out that a lot of right hon. and hon. Members are hoping to speak, so we will have a limit of between two and three minutes on speeches—voluntarily, at the moment.
Debbie Abrahams (Oldham East and Saddleworth) (Lab)
It is a pleasure to serve under your chairmanship, Sir Henry. I congratulate my hon. Friend the Member for High Peak (Ruth George) on an absolutely outstanding opening speech. There is not much more that one can say. However, I will pick up on a few points.
To understand the rise in poverty that people are facing across the country—not in isolated areas, as some on the Government side would like to say—we need look no further than social security policies, unfortunately, and universal credit is a key aspect of that. The Child Poverty Action Group said back in 2015 that an additional 1 million children would be living in poverty. Just a couple of weeks ago, Policy in Practice estimated, on behalf of the Children’s Commissioner, that half of low-income households would lose nearly £3,500 a year, which will see child poverty double. The figure is already at 4 million—three quarters of the children living in poverty are from working families—and it is set to double. That is down to three social security policies: the two-child limit, the benefits cap and universal credit—particularly, as my hon. Friend said, the five-week wait, and the repayment not just of the advance loan but of other debts.
We recognise the intervention in last autumn’s Budget, but it is paltry compared with the £12 billion that was cut in the 2015 summer Budget. It did not go even halfway to restoring what was cut. It is still the case that 40% of people on UC will be and are worse off—this applies especially to disabled people; 1 million disabled people are worse off under universal credit—by nearly £2,000. It also applies to the self-employed and single parents; they are all worse off as a result of universal credit. We have touched on the natural migration that is happening, separately from managed migration, as a result of a change in circumstances.
The UN special rapporteur on extreme poverty and human rights, Philip Alston, said last month that the UK’s poorest people face lives that are “solitary, poor, nasty, brutish, and short”. He accused Ministers of being in a state of denial about the impact of policies, including the roll-out of universal credit, and referred to the “systematic immiseration” of a significant part of the British population. I know that his comments have caused some consternation on the Government side, but we have only to look at Westminster tube station to see our homeless people. Two thirds of those in homeless refuges are people who have issues with universal credit. We all have constituency cases—I shall mention a few if that is okay, Sir Henry—of people who are really suffering.
Sally is a single mum who moved out to escape an abusive relationship. Due to her change in circumstances, she has lost £400 from her universal credit. Katie’s employers made a mess of their returns, and she was left with £67 to live on. It was her employer’s error. She said:
“Every time I call they just say there’s nothing they can do and I just have to wait for a decision. Please help me as I’m at the end of hope!”
June was in receipt of employment and support allowance with a severe disability premium. Again due to a change in circumstances, she lost £300 a month. Karen works for the Greater Manchester police and has a two-year-old daughter. She was told by the jobcentre that universal credit would pay for 85% of her childcare. She had to pay it up front, but she was still waiting six months later. That is unacceptable, and it is happening up and down the country.
The Minister will be aware that universal credit has a bad press. In debates such as this, it is our job to draw attention to the dire circumstances that people are facing. There are also rumours, based on leaked emails, that there is a planned propaganda exercise to try to restore the public’s faith in universal credit. I would be grateful if the Minister could address that. I have gone over my time, so I will end there.
Sir Henry Bellingham (in the Chair)
I am afraid we will now have to move to a two-minute limit on speeches.
Yvonne Fovargue (Makerfield) (Lab)
I congratulate my hon. Friend the Member for High Peak (Ruth George) on her speech. It is a fact that more people who go on to universal credit are seeking debt advice. In my constituency, 90% of new claimants in social housing go into rent arrears. Of those, 60% go into arrears of over £600. Those who can least afford the benefits freeze have been hit the hardest by it. We have talked about the five-week wait and the advances. [Interruption.]
Sir Henry Bellingham (in the Chair)
Order. We have a Division. I will suspend the sitting for 15 minutes, assuming there is one Division. We can resume with the hon. Lady when we come back.
Sir Henry Bellingham (in the Chair)
Order. The debate will now conclude at 12 minutes past 4.
Yvonne Fovargue
Thank you, Sir Henry. I was talking about the five-week wait and advances. Even with a 30% payment back, 65% of StepChange clients who are in debt will still have problems paying. They will still have problems paying their gas, electricity and other bills. I want to ask the Minister how advisers ensure that repayments are affordable. I believe that there are safeguards, but I have never heard what they are. Do they use a single financial statement, as most creditors do? Do they look at other debts? We know that many people on universal credit who have had the five-week wait have other debts. They have gone to high-cost lenders and owe on the gas and electricity.
I also want to ask the Minister whether the debts to Departments are included in the proposed breathing space scheme. That would be a help. At least it would give people time to work it out, but unless the DWP accepts affordable repayments, even that will not help people on universal credit who are being forced into debt. I have always said that simplifying the system was a great aim, but people’s lives are not simple, and the people I am talking about are the ones who can least afford a bump in the road. Throwing people into debt makes life more complicated. It makes more people go to the doctor with mental health problems and depression, and eventually it costs the state more.
Danielle Rowley (Midlothian) (Lab)
I congratulate my hon. Friend the Member for High Peak (Ruth George) on securing this debate, on her fantastic speech, and on her fantastic, dedicated work on welfare. She is a tireless campaigner.
As many of today’s contributions and evidence from Citizens Advice Scotland have shown, debt is built into the universal credit system. My hon. Friend the Member for Oldham East and Saddleworth (Debbie Abrahams) spoke about survivors of domestic abuse, and I too wish to focus on that important area. Survivors of domestic abuse often flee relationships with little or no resources, and often after being subjected to economic abuse. For them, the five-week wait is particularly damaging. Although advances are available, that is a loan that must be paid back.
The charity Refuge recommends that survivors of domestic abuse be exempt from repaying advances, as the initial period after fleeing an abusive relationship can be costly. People often have to buy a lot of possessions and set up a new home and a new life. If they have to repay an advance, their future income will be heavily reduced. I hope the Minister will consider that issue and tell me his thoughts.
As I have highlighted previously, single household payments can easily be used by coercive or abusive partners to trap people in an abusive relationship. Rent arrears accumulated under single payments mean that survivors have restricted options when they are fleeing, and it is common for landlords to refuse to accept tenants who have arrears, even if those arrears were accrued due to domestic abuse. That huge issue must be ironed out.
I wanted to talk about some constituency cases today, but I do not have time. The constituency cases that we raise time and again in respect of universal credit are not unique; this is happening everywhere. This issue is raised on the doorsteps, in our surgeries and with our neighbours. It is such a huge issue and I am fed up with speaking about this cruel system that does not work. The Government must take their fingers out of their ears and stop defending it. They must work with Members across the House who have spoken up about this issue, stop this system and rehaul it once and for all.
Sir Henry Bellingham (in the Chair)
Before I call the SNP spokesman, I thank right hon. and hon. Members for showing so much restraint. The Opposition spokesmen can now go from eight minutes to 10 minutes. I call Mr Neil Gray.
Neil Gray
My hon. Friend is absolutely right. Of course, she will know that a different system is being created for that in Scotland. I ask the Minister to look at the definition of terminal illness that has been adopted by the Scottish social security agency, which I think would help to deal with some of these problems.
Currently, deductions for indebtedness can be up to 40% of the standard allowance, and the Government are looking to reduce that to 30%. If we accept that the standard allowance is barely enough for anyone to live on in the first place—figures from the Joseph Rowntree Foundation show that adults without children on UC receive only 40% of the minimum income standard, while adults with children get just 60%—reducing that by a third is just going to exacerbate indebtedness. Most people would struggle if their income was reduced by a third without warning or negotiation, but I also acknowledge that there is a debt, so some effort must be made to repay it. There should be an affordability test and discussions in advance of a deduction being applied, and the recipient should be afforded expert advice and advocacy during that process. That surely has to happen if the DWP is going to give people help and breathing space for indebtedness.
As part of the summer pilot, the Government should consult extensively with key stakeholders, the devolved Governments and the expert charities, and those in receipt of universal credit themselves, particularly disabled people, to make sure that the system is got right and that no one is further impoverished as a result of universal credit.
Speakers from across the House have demonstrated in this debate, once again, that universal credit is still not working. It is time for the Government to listen, to restore and expand the funding available to universal credit and to fix the inbuilt technical issues and flaws that have been raised today and previously, which are contributing to a rise in food bank use and the impoverishment of those both in and out of work.
Ten Years of the Work Capability Assessment
Lord Bellingham Excerpts(5 years, 8 months ago)
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Laura Pidcock
That is right, and in a place like North West Durham, where we have an inadequate and expensive transport system, it is unjustifiable not to have assessments carried out at home if someone is feeling unwell and faces stress in having to go to that assessment.
If the person does manage to get to the assessment centre, the assessor uses that as evidence of their ability to travel, walk, sit comfortably and cope with social interactions. One person got in touch with me to say that they had to sit in the assessment centre waiting room in soaking wet clothes due to their incontinence issues. Is this a system anyone can really defend? Is anyone really comfortable with a private provider forcing people to attend assessments in pain and with worry, to be degraded by the DWP?
If a person is found fit for work when they are not, that can have a huge impact on their mental and financial wellbeing. It can have a direct impact on their entitlement to housing benefit and council tax benefit, plunging them into destitution, and resulting in increasing debt, risk of eviction and untold stress. People wrongly found fit for work are then expected to do job searches and training, and are even sanctioned. It came as no surprise to any of us Opposition Members that in 2016 the UN concluded that the Government had committed “grave and systematic violations” of the rights of people with disabilities. That report should have seen an end to the Government, but they limp on.
For people who do go on to win at appeal, reassessment is too frequent. No sooner have they won than they are being reassessed—even people with terminal illnesses have to endure that. Imagine the retriggering of mental health difficulties when people have to describe, in assessment after assessment, historical sexual abuse to which they were subject.
Let me mention some of the contributions from people who got in touch. One person said:
“The process feels like psychological rape, expressly designed to make you feel that you are the absolute property of the state, that you are not a human being and that your continued survival is basically an affront to society.”
Another said:
“When you are disabled, you are defined by the able-bodied by what you cannot do, rather than what you can do. No disabled person wants to be a burden on society. They want to be an active contributor but are denied this by society”,
and that
“The whole thing should be abolished as it’s a cruel and pointless exercise in ideology.”
It is about ideology, isn’t it? This system, with its complexities, its high thresholds and the way in which employment and support allowance and higher rates of universal credit have been denied to so many, cannot be seen outside the context of almost 10 years of austerity and budget cuts, which have literally taken money from people who are disabled, unwell or dying.
What are the worst consequences, the ultimate results, of this brutality? Jodey Whiting, who lived in Thornaby, not too far from my constituency, took her life 15 days after her benefits were stopped for missing a work capability assessment when seriously ill. The independent case examiner found multiple failings on the part of the DWP, including it simply not following its safeguarding procedures. Her mum, Joy Dove, is campaigning for an independent inquiry into benefit death and I am sure everyone on this side would say “All power to her” in that campaign.
Stephen Smith, aged 64, who had chronic obstructive pulmonary disease, osteoarthritis and an enlarged prostate that left him in chronic pain, failed a work capability assessment in 2017, which meant that his employment and support allowance payments were stopped. Anybody who saw Stephen’s emaciated body on social media will have been horrified. Stephen died last Monday. Jeff Hayward, who won his appeal seven months after his death, had a debilitating skin condition and spent his last 18 months fighting a “fit for work” decision. Michael O’Sullivan, aged 60, from north London had long-term mental health problems, and the coroner found that the benefit process was a key trigger for his death.
These are the real-life tragedies of a broken system. I do not think I can bear to hear the Minister say, yet again and as his predecessor did, that we should come to him with our individual problems with the system. They are not individual problems; they are systemic failings, and a consequence of privatising social security and making £37 billion in welfare cuts.
Let us be honest: this is institutionalised bullying and harassment of sick and disabled people. I have no doubt that administrative ineptitude is part of it, but when the issue is on this scale, there can be no other conclusion. By deliberately stripping people of their rights, in order to disrupt the welfare state and the very concept of legal entitlement, the Government have trodden all over the expectation of citizens that they will be looked after in their hour of need. And what for? To replace the state with private and family provision, to boost the coffers of private insurers, and to replace legal rights with charity, subject to moral judgments of deservingness.
It does not have to be like this. How can our social security system be about security and not about punishment? The Labour party has rightly committed to scrap the work capability assessment. That will be a big step forward and will no doubt be welcomed by disability rights groups and welfare rights agencies alike. In the meantime, why do the Government not start rectifying injustices in the system by taking the vast amount of evidence from medical professionals, including GPs, consultants and nurses, into account? Testimony should be fundamentally believed. The culture permeating the DWP is one of disbelief that looks cynically on those who request help. Stressful, face-to-face assessments should be used only if there is an absolute necessity, such as a lack of evidence on which to decide on entitlement. Assessments should be a last resort.
The system should be designed by people who are experts through experience. Experts who understand how conditions affect the ability to work should be employed. Any social security system that replaces the work capability assessment as it exists today should not be a functionality test with arbitrary rules that do not account for the fluctuating nature of a person’s condition, disability or illness. There needs to be a revision of the assessment criteria, so that they are linked much more closely to the real world of work, or the work that the person was doing. Knowing whether someone can move a carton of milk with one hand cannot allow us to understand a person’s comfort or ability to work in a specific environment. Any process should include an assessment of the additional support that person would need to ease them back into the workplace. Recording of assessments should be standard, unless a person asks not to be recorded. The Government are dragging their heels on that recommendation.
Private outsourcing of the assessments has to be scrapped. The market has failed all aspects of the social security system, placing company profit before the needs of the people interacting with the system. When will the Government understand that private enterprise and illness are incompatible, and inevitably lead to the injustices that we see today?
When people are dealing with the stresses of not being in full health and of needing support for their disability or mental health condition, they should fundamentally not be subject to further stress, degradation and even abuse by the state. The system should be designed on the presumption that people are telling the truth when they come to see the assessors. They should not be forced though a humiliating and exhausting process that often results in them winning appeals at tribunal, with the help of the excellent but underfunded advice agencies and many of our caseworkers. For many people, their last fight on this earth is not with their illness, but with the state, and that fact alone should lead us to scrap this dreadful system.
Sir Henry Bellingham (in the Chair)
I thank the hon. Member for North West Durham (Laura Pidcock) for her moving and impressive speech. We will have an informal limit of seven minutes from now on. If right hon. and hon. colleagues could adhere to that, I would be grateful.
Several hon. Members rose—
Sir Henry Bellingham (in the Chair)
Order. I thank the hon. Lady very much for her moving speech. We will have to put a six-minute voluntary limit on subsequent speeches.
The Secretary of State’s Handling of Universal Credit
Lord Bellingham Excerpts(6 years, 5 months ago)
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Ms McVey
I asked the hon. Lady if she would work with me. All I needed from her—I could not have said it in a more imploring way—was a yes or no, and she felt unable to say yes. She should have said yes.
We have been through what this benefit is about and how it is supporting people. It is about having a work coach. It is about personalised support. It is about having a universal support package. It is about getting more people into work: as I have said so many times, 1,000 more people into work every day since 2010. That is what it is about. The prize will be a cultural shift in welfare. The impact has got to be positive for each and every one of us. It has got to be about getting more people into work. It has got to be about a simpler benefit system. As we proceed with the roll-out, we look, we learn and we change. Even since January, I have listened and learned, whether that was about kinship carers, 18 to 21-year-olds or the latest change for the severe disability premium.
When we brought in the changes at the Budget—£1.5 billion-worth of changes, or thereabouts—to remove the waiting time and offer extra support through a two-week run-over and the advance, the Opposition voted against that. They would have denied vulnerable people £1.5 billion and all those changes. I will ask them now: do they apologise for that? No. Again, we do not have an apology for not wanting those significant changes for disabled people.
Sir Henry Bellingham (North West Norfolk) (Con)
I am grateful to the Secretary of State for giving way. She was talking about co-operation. Is she aware that in King’s Lynn, the DWP has moved into local council offices and now has a fantastic open-plan office that is a centre of excellence for service delivery? I visited last week, and every person I spoke to was 100% supportive of universal credit. They cannot wait for it to be rolled out. They have had nothing but good experiences in the offices around the country that they have visited, so they support the Secretary of State 100%.
Ms McVey
I thank my hon. Friend for his comment.
This is what it is about, and I keep saying that. It is not about scaremongering. It is not about saying things even the UK Statistics Authority says is scaremongering. It is not about making people’s journey to claim benefit even more difficult. We want to make the journey to claim benefit easier for people. While the Opposition would not apologise for voting to stop that £1.5 billion-worth of support, we now have changes coming through to support people through the severe disability premium. I want to ask the Opposition: will they be voting with the Government to make sure we support those people, or will they take a stance by voting against? We have no answer again.
Child Poverty: London
Lord Bellingham Excerpts(6 years, 10 months ago)
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Several hon. Members rose—
Sir Henry Bellingham (in the Chair)
Order. According to my calculations, we have 13 minutes left before the wind-ups.
Oral Answers to Questions
Lord Bellingham Excerpts(7 years, 9 months ago)
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Sir Henry Bellingham (North West Norfolk) (Con)
Damian Hinds
I take that point on board, and we are embarking on a number of co-locations as part of the current programme. Co-location can be good both for claimants and for the taxpayer: for claimants because more of the services they need to access are in one place, and, of course, for the taxpayer by making better use of the public estate.