War Pensions and Armed Forces Compensation Scheme Payments

Debate between Bob Stewart and Owen Thompson

Monday 28th March 2022 Commons Chamber

[Owen Thompson (Midlothian) (SNP)]

I beg to move,

That this House believes that the current process for claiming War Pensions and Armed Forces Compensation payments is not fit for purpose and urges the Government to launch an independent inquiry into the system’s failings.

I thank the Backbench Business Committee for selecting this subject for debate and the Leader of the House for arranging time tonight in a timeslot that is not normally allocated for Back-Bench business. That is very much appreciated after the debate was moved from last Thursday.

In recent years, many of us have become disconnected from the idea of war. It is becoming something that happens far away to people we do not know. We might try to keep on top of the news, but the human stories are often lost. However, the war in Ukraine has reminded us that armed conflict is not just something remote and abstract; the sad truth is that it can happen anywhere when political processes break down or when leaders put their egos above human life. Ukraine has reminded us of another truth: wars are not fought by armies; they are fought by individuals each with a life as complex as our own. When we hear the stories from Ukrainian civilians leaving behind their careers and families to take up arms to defend their country, we see the human face behind every member of those armed forces. When we hear the stories of teenage Russian conscripts surrendering in tears, we see that under each helmet is a complex and unique individual.

Whether or not we agree with the motives of a conflict, or disagree with the concept of war in principle, that all takes second place to our ability to recognise the humanity in every individual, and veterans are central to this. Many veterans have seen the very worst of humanity, so it seems only right that when they return home they should be greeted by its very best: compassion, recognition and respect. They have given all for their state and it is only right that the state, in turn, should give its all for them. That is the key principle in why it is so important to compensate veterans fairly. It is about recognising our duty of care to help them to live a full and dignified life post service, and doing so with respect to their individuality. Schemes such as war pensions and the armed forces compensation scheme are absolutely critical in delivering our duty of care to solidify our commitment to veterans by pledging that whatever injuries, mental or physical, someone receives during their time in the forces, or whatever existing condition was worsened, the burden of that harm should be carried by the state, not by the veteran. It is absolutely correct in its simple recognition that whatever harm was incurred in the name of the state is the state’s responsibility.

That is not asking for much; in fact, it is the bare minimum that we can do to show that we respect these veterans for what they have done to support all of us. Yet the reason we are here today is that at the moment, at least, that bare minimum is not being met. The Government are not yet recognising the duty of care towards veterans. They are not offering to freely and unconditionally carry the financial burden of their injuries. They are not respecting veterans. Yes, war pensions and the compensation scheme exist, but the way in which they are being administered is a national scandal that should have us all hanging our heads in shame. The process, as it stands, operates in a way that discourages veterans from pursuing their claims. It is loaded with presumptions that veterans are not entitled to compensation, making them prove eligibility beyond any reasonable standards. It is a process that is inherently distrustful, presuming that veterans are trying to swindle the system. It is mired with complicated terminology and legalese, with little signposting for those who need it most.

[Bob Stewart (Beckenham) (Con)]

I speak as someone with a one-third war disability pension. When I left the armed forces, I had a medical, and that signposted me to get the disability pension. People do not necessarily have to wait until they get a condition such as post-traumatic stress disorder.

[Owen Thompson]

I hear what the right hon. Gentleman says, and I will come to that point, but we see a lack of transparency and serious questions about conflicts of interest. As a result, the process pushes veterans into poverty, ill health and, sadly, even suicide.

I was first made aware of the seriousness of the issue by my constituent Garry McDermott, a former lance corporal with the Royal Scots who left the armed forces in 2003. As a result of his time in service, he had been diagnosed with complex PTSD, and he suffers from a variety of physical health issues including with his hips and his knees. Those injuries were caused or worsened by his time in the service of his country, but, when he returned home and sought compensation, he found that the country was not willing to serve him.

Garry has been fighting for more than a decade for the Government simply to recognise their duty of care towards him and pay him what he is due under his war pension. Time and again, they shirked responsibility by denying a link between his injuries and his time in service. His physical health has severely deteriorated over the past decade—he now needs a new knee and two new hips—due to trauma induced by carrying 80 kg bags during his time in service. That was confirmed by his Army medical files, yet he has been refused an increased payment. Medical advisers at Veterans UK have denied the link between Garry’s time in service and his injuries time and again. Damage to his teeth from his time in service was noted as “poor dental hygiene” by Veterans UK. Damage to his toes was said to be due to fungus. One time, his ability to go for a run to support his own mental health was held against him. Whenever he put in a claim, he was made to feel like he was trying to cheat the system and not worthy of the Government’s support. He was not claiming for millions of pounds or thousands of pounds—these are claims for an extra £22 a week.

Mistreatment of one veteran is bad enough, but Garry is one of thousands. The true scale of the scandal became clearer when I raised his case at business questions only a matter of months ago and was told:

“It is not always right to draw conclusions about a whole system from one case.”—[Official Report, 20 January 2022; Vol. 707, c. 517.]

The reaction to that statement proved otherwise, as social media exploded with veterans who had experienced the same issues as Garry and were dismayed by the former Leader of the House’s flippant dismissal. Dozens contacted me directly to set the record straight: the problem was systematic and they were the very proof of that. The veterans whom I have spoken to have been in all ranks of our forces, including majors and colonels, and it is extremely widespread.

Let us look at Veterans UK’s recent customer satisfaction survey. Of the 324 veterans surveyed about their satisfaction levels in using the war pension scheme, only 36% noted any level of satisfaction, and 32% gave it a one—the lowest possible rating. For the armed forces compensation scheme, it was even more dire, with only 13% giving any sort of positive rating above five; meanwhile, half of veterans rated their satisfaction at one, which again was the lowest possible option. If war pensions are not bad enough, it seems that the scheme that replaced them is even worse. More generally, the dissatisfaction rate with the Veterans UK claims process is a shocking 80%.

Because of the sheer scale of the issue, it is easy to get lost in the details of individual cases. However, important as those are, they give Veterans UK and the Ministry of Defence the chance to portray them as outliers, which they are not. They are symptoms of a system that is simply unfit for purpose. We need to take a step back and identify the recurring issues among the cases: the common threads that show us that the problem is systematic. I am extremely grateful to everyone who has helped to identify the problems, including campaigning groups such as the Independent Defence Authority and Justice4Troops and, most of all, the veterans who have reached out to share their own stories.

The first issue is that the system of war pensions and armed forces compensation scheme payments operates with a presumption against awarding veterans with their claims. Let us start with the cold, hard statistics. Since April 2009, of the 107,000 disablement claims cleared at initial review under the war pension scheme, 32% have been declined. Only 59% of those whose claims passed forward received a financial award.

Of the 94,000 armed forces compensation scheme claims, 31% have failed at the initial stage, and 74% of appeals have been rejected. Only 57% of claims have resulted in a financial award. The fact that a third of claims fall at the first hurdle and only a minority make it through the appeals process paints a bleak picture of claimants’ chances. That is especially worrying given the fact that the stats date mostly from before Veterans UK took over the assessment processes. According to many veterans, that has worsened the situation.

Interestingly, the MOD does not hold in a collated format stats on how many claimants decided to withdraw or not to take steps to progress their claim—the details are tucked away in the paper files of each case. I have been told that the reason for making the information so difficult to locate is that it is

“not information the Ministry of Defence needs to capture in order to process claims or monitor performance.”

I cannot imagine any reason why holding data on how many veterans give up on the process would not be conducive to monitoring its success, but that is where we are.

Whatever the case, far too many veterans do give up. They are faced with a system that presumes they are trying to swindle it. Many veterans, like my constituent Garry, find themselves struggling to prove that their health conditions were caused by their time in our forces. The slightest ability still to do any physical exercise is held against them and injuries sustained in service are noted down as otherwise. It is the same cruel and distrustful approach to benefits that is embodied by universal credit, with people being made to undergo undignified tests to prove their disabilities.

Even when it clashes with professional opinion, Veterans UK keeps denying claims. Army medical files that prove causation between time in service and injuries are regularly ignored. Similar tests that are carried out for other benefits—such as personal independence payments—and prove unfitness to work are ignored. Veterans are made to feel like they are guilty until proven innocent. In some cases, evidence of a veteran’s disability has seemingly—this claim has been made to me—been doctored to underplay its severity. In one case, a veteran’s medical files stated that they could walk 140 metres with discomfort, but when their claim was rejected, part of the reason given was that they could walk 140 metres—there was no mention of the discomfort.

One veteran, a former major, told me:

“Veterans UK have followed an unofficial policy of ‘Deny, Delay, hope you Die’ in which at the first stage they claim you don’t have that injury, then when it’s proven they insist on a level of evidence that the claimant must provide, despite the fact that they have full access to my medical record, then they attempt to claim that the cause wasn’t service, such as in my case they attributed my deafness to my age, which is currently 49.”

As with universal credit, it boils down to saving money. An ideological dogma of small government has led to starved public resources and a scramble to save money here and there. The ones who pay the price are those who need help the most—in this case, veterans. It is evident that the system is rigged to deny veterans their claims for the feeblest of excuses, at all costs. It should go without saying that no amount of money saved is worth the lives and livelihoods of those who gave their all for all of us. The overarching goal of a body like Veterans UK should be not to save money but to do all it can to repay the debt that we owe our veterans.

Of course, the MOD says that assessments are arrived at through evidence-based professional judgement and that medical advisers seek to advise on the pre-existing evidence rather than to diagnose issues. However, as we have heard, it is not uncommon for existing evidence to be ignored or, allegedly, altered. Medical advisers seem consistently to exceed their remit to pursue a policy of cost-cutting and cover-up.

The role of medical advisers ties into another issue that runs through veterans’ testimonies. Many veterans have raised questions about the lack of transparency around obtaining details of who makes decisions on their claims. Personal privacy is of course paramount—I do not think anyone would question that—but it should be balanced with veterans’ right to know that their assessors are the right people to make the decisions, even if for nothing other than their peace of mind. There is no transparency on that front, and veterans feel completely in the dark about the people who make these life-altering decisions. Medical advisers stay deep in the shadows, even going as far as to refuse to appear on video link at tribunals. The Minister might consider how dehumanising that can be for a veteran—to feel that their fate is in the hands of a faceless bureaucrat. What is so hard about treating veterans like human beings and creating a healthy, open relationship between them and their medical advisers?

In one case, a veteran requested a statement from a medical adviser on why they thought he had PTSD, but they declined to do so, saying that they were not qualified to make such a judgment. However, the same assessor then rejected their claim relating to PTSD deterioration. How can an adviser make a judgment on one, but not on the other? I just cannot understand that. It might be explained by seeing exactly what the assessors do, opening that up and shining a light on it.

Perhaps even more concerning is the reuse of the same medical adviser at different stages in the appeals process. Testimony after testimony has complained to me about the same individual assessor giving their judgment on a claim at the initial stage, the appeal and then feeding into the tribunal. Separate advisers should be used to ensure impartiality and a range of opinions. Surely the whole point of appealing is to get a second opinion to reassess the claim from a new point of view. If the adviser used at the initial stage is then brought in for the appeal, how can a veteran be assured that their claim will not just be subject to the same opinions that rejected it in the first place? Where is the fairness and where is the impartiality? At best, it is serious neglect in the system design, leading to a conflict of interest. At worst, it is a deliberate choice to cut costs by rigging the system against veterans. It is little wonder that so few appeals get anywhere. All of this contributes to a feeling that there is a huge power imbalance between the veterans and those assessing them.

The picture painted of Veterans UK is that it puts cost-cutting above its duty to protect veterans’ lives and livelihoods; it perpetuates a culture of distrust towards veterans, and sees many as dishonest and unworthy of compensation; it operates under an assumption that veterans will not get their compensation—a case of “guilty until proven innocent”; it overrides medical and professional opinion to claim that injuries were not caused by time in service; and it hides behind a lack of transparency around its medical advisers. Most of all, however, it completely disregards the debt that society owes to our veterans.

Of course, there is a serious human cost to this. According to Lisa Scullion and Katherine Curchin, writing in the Journal of Social Policy,

“it is evident that there is a lack of understanding of the impact of trauma on people’s psychosocial functioning and, as a result, veterans are treated in ways which are variously perceived as disrespectful, unfair or disempowering and in some cases exacerbate existing mental health problems.”

Returning from the unimaginable conditions of war, physical and mental trauma leaves many feeling vulnerable, isolated and financially unstable. PTSD is rife, and the risk of self-harm and suicide can be high. Subjecting this community to complex, lengthy and demeaning processes to claim the money they need to support themselves does nothing but exacerbate mental health problems. They are forced to relive trauma and put their mental health on the line.

For some veterans, their lengthy fights to claim their money is simply too much to bear. Many simply give up and some, tragically, take their own lives. They simply cannot bear the mental strain of fighting for years—sometimes decades—to be told that they cannot be recognised as worthy of help. One veteran told me:

“In September last year, I had a full physical and mental breakdown because of all these accusations that I’m not as injured as make out, and again tried to hang myself. I was diagnosed with Complex PTSD directly because of the MoD.”

Yet Veterans UK is ill-equipped to deal with this. It even admitted in a written statement that it has no policy in place to deal with veterans suffering from mental health issues. I welcome the Minister’s pledge to start publishing veterans’ suicide rates in England and Wales, starting next year. It is important that the MOD does understand the scale of the problem across the UK as a whole.

I have been delighted by the level of support from across the Chamber in bringing forward this debate, and I am certainly not here seeking any kind of political scalp. This is not about point scoring; this is an entirely cross-party issue. We are united by wanting to do the very best by our veterans. We simply want the Government to hear the pain veterans are in and address it. That is why we need an independent inquiry into the failures of Veterans UK. It is evident that a few tweaks around the edges will not be enough to fix the system.

Root-and-branch reform is needed to build the foundations of a system informed by different philosophies and following different priorities. An independent inquiry should investigate how Veterans UK arrived at the culture of cost-cutting. It should give veterans an opportunity to air their concerns and feel listened to. Most importantly, it should lay the groundwork for a new approach. For instance, there would be huge benefits in creating a system using the principles of trauma-informed care. Again, in the Journal of Social Policy, Lisa Scullion and Katherine Curchin write that

“the application of trauma-informed care principles to the UK social security system could improve interactions within this system and avoid re-traumatising those experiencing on-going or unresolved trauma.”

In the meantime, we could take actions right now that could save lives. Untimely payments cost lives; target times should be reduced as far as possible. War pension payments that exceed their target by a fortnight must be brought into line with it. On top of that, the Confederation of Service Charities, or Cobseo, has raised concerns about the backlog of appeals awaiting resolution. Immediate steps could be taken to progress that. Veterans UK’s policies around the consideration given to previous health assessments undertaken during a veteran’s time in service must be taken into account fully and properly.

This is the right time to make changes. The armed forces compensation scheme will be reviewed this year, and major work is being done to digitise the schemes. Now is the time: the opportunities are there to lay the groundwork for a better system, including by addressing the recommendations of the previous five-yearly reviews in 2010 and 2017.

All these actions are necessary, but without an independent inquiry to lay the foundations of a new approach, the MOD risks tinkering around the edges. I appreciate that not all these issues can be fixed with the wave of a magic wand; I do not think anyone would expect that. Reforming the treatment of veterans will be a long process. But that could start now with an inquiry, simply to recognise what has gone wrong, learn from the mistakes and understand how we can do better.

I urge the Minister to take this call seriously and bring forward plans for an inquiry. Our veterans deserve our respect. They deserve better than what they are currently receiving. They deserve an independent inquiry, and a new system that recognises their humanity. I urge hon. Members to support this call.