Oral Answers to Questions

Catherine McKinnell Excerpts
Monday 27th March 2017

(7 years, 8 months ago)

Commons Chamber
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Penny Mordaunt Portrait Penny Mordaunt
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I thank the hon. Lady for her comments. We think about every stage of this process. Clearly, if people appeal and those appeals are upheld, we have not got it right earlier in the process. I have mentioned some things that we are doing to build trust, confidence and support. We are also introducing a video relay service in April, which will be of particular help to those who are deaf or hard of hearing. There are a number of small changes like that that we can make to ensure that we get a good result earlier in the process.

Catherine McKinnell Portrait Catherine McKinnell (Newcastle upon Tyne North) (Lab)
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I have a 28-year-old constituent who was injured in the line of duty in 2010. He was awarded a tier 3 military pension, which is reserved only for the most severely injured, but he is due to lose his Motability vehicle and that decision was upheld on mandatory reconsideration. Is that seriously the type of person the Government wish to leave housebound?

Penny Mordaunt Portrait Penny Mordaunt
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I would say two things in response to that question. First, we have been considering particular issues around our armed forces in the Green Paper, which gives opportunities not just for ESA but for PIP. We are also looking at being able to passport information that may be in someone’s war pension record or medical history into our benefits system. I am quite happy to look at the case the hon. Lady raises with regard to Motability.

Marriage Week

Catherine McKinnell Excerpts
Wednesday 1st February 2017

(7 years, 9 months ago)

Westminster Hall
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David Burrowes Portrait Mr Burrowes
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The hon. Gentleman and I share views on many issues, not least on how welcome it is that the marriage allowance is once again a transferable allowance. However, that is just a small dent in properly recognising marriage and giving it its true worth and value. That could perhaps be done not least by following the call from many of us, and from the Centre for Social Justice and others, to focus particularly on couples with young children. I would certainly support that.

Catherine McKinnell Portrait Catherine McKinnell (Newcastle upon Tyne North) (Lab)
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Not all marriages last, and external support is often needed when there are difficulties. The Department for Education has said that for every £1 spent on relationship support, the Government save £11.40, yet the Department for Work and Pensions seems to be considering significant cuts in support for face-to-face marriage counselling services. Does the hon. Gentleman agree that that would be a terrible mistake?

David Burrowes Portrait Mr Burrowes
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This celebration and debate is not just about putting everyone in a Persil advert of perfect families, where everything goes right. Things go wrong, and resilience is needed. That can come at an early stage through counselling, support or marriage preparation, or after marriage through MOT tests and further support, not least at crucial moments involving young children or debt. Statistics show that the Government spend only 1.6p for every £100 of social harm that is caused by family breakdown. More needs to be done to tackle the associated price tag of £47 billion a year, which is a conservative estimate.

The way in which a marriage plays out in our society should provoke the Government to do all they can to ensure that marriage and the social benefits it affords are accessible to everyone, for richer and for poorer. In 2015, the Marriage Foundation—I very much commend Sir Paul Coleridge, who is here today, and Harry Benson for the great evidence-based work that they have done over the years—found an alarming widening of the marriage gap between rich and poor, with wealthier couples being four times more likely to get married than those from poorer backgrounds. Some 80% of high earners marry, whereas only 24% of low earners do. The rich get married and the poor increasingly do not. That bias in favour of wealthy couples is a social injustice. In fact, to use the words of the former shadow Cabinet Minister for the family—now our Prime Minister—it is a burning injustice, which needs to be tackled by the Government and others. That is vital because marriage supports family stability and provides an important pathway out of poverty.

Marriage must not disappear; in fact, it should be central to Government policy making. I sometimes search Government policy documents on my computer to see where the M-word comes up, but it often does not. There should be family impact statements looking at the impact of marriage and the support it provides in a lot of arenas. The life chances strategy or the social reform strategy, or whatever it will be called, will be published shortly, and I will again search to see where the word “marriage” comes up, because it needs to. If we are tackling burning injustices, we need to support marriage.

I want to spell out some social benefits of marriage. Unmarried parents are six times more likely to break up before their first child’s fifth birthday. Children from broken homes are two-and-a-half times more likely to be in long-term poverty, and 44% of children in lone parent families live in relative poverty—almost twice the figure for children in couple families. Cohabiting couples make up just a fifth of couples with dependent children, but nearly half of all family breakdown. There are a lot of reasons to consider, but marriage is socially just and aids social mobility. Children who experience family breakdown perform less well at school, gain fewer qualifications and are more likely to be expelled from school. I therefore encourage the Government to commit more resources to tackling family breakdown by celebrating marriage.

I welcome the marriage tax allowance. We have mentioned the importance of that; it brings us in line with other OECD countries that have recognised family stability by recognising marriage. However, it is also important to build on that good work. The fact that 90% of a married person’s tax allowance remains transferrable means that although we have that recognition in principle, it does not really get to the heart of the problem.

There are many creative ways of celebrating marriage. As hon. Members have mentioned in their interventions, we can do much more. There is the financial element—we have debated whether that is important in the past—but more than that, it is about practical support and how we provide relationship support. I welcome the previous Prime Minister’s absolute commitment to that and the money that was provided for relationship support, which must continue—indeed, it should increase, because it is money well spent. Supporting fathers, which several hon. Members present have championed through the all-party group on fatherhood, is particularly important, as is broadening access to marriage preparation classes and marriage counselling.

I pay tribute to the Marriage Foundation, which is behind next week’s celebration, and to Harry and Kate Benson, whose life as a couple has recently received a lot of publicity. They recognise that marriage is not just a bed of roses. We all experience problems. Marriage Week is about recognising that we must not take our marriages for granted—we all need to work on them, and that applies to me as much as to anyone else—and nor should society or the Government. We should promote and celebrate this vital institution for a good society.

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Caroline Nokes Portrait Caroline Nokes
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I very much thank my hon. Friend the Member for Finchley and Golders Green (Mike Freer) for that comment. I congratulate my hon. Friend the Member for Enfield, Southgate on his 21 years of marriage to Janet, but I understand that my hon. Friend the Member for Finchley and Golders Green has recently also celebrated his wedding anniversary. Although he has only been married for two years, he has actually been with his husband for a quarter of a century. That is something that we can all be very impressed by and I extend my congratulations to them.

Of course, Marriage Week provides us with a very good opportunity to celebrate the commitment and connectedness that a stable relationship brings to a family. The Government view the role of families as fundamental in shaping individuals, and in having an overwhelmingly positive effect on wider society. We know that growing up in families where parents are collaborative and communicative gives children the skills they need to develop into happy and successful adults, and the vital institution of marriage is a strong symbol of wider society’s desire to celebrate commitment between partners.

The institution of marriage can indeed be the basis of a successful family life and many people make this very important commitment every year. As we have heard, marriage can lay the foundations for parenthood, and is emblematic of the love and security that parents need to give their children.

A stable family that provides a nurturing environment for children is something that the Government will continue to champion and encourage. That is why we are focused on helping families and children, to enhance the educational and employment opportunities available to the young, and to reinforce the benefits that parental collaboration undoubtedly has.

Catherine McKinnell Portrait Catherine McKinnell
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Since 2015, Marriage Care in Tyneside has provided counselling services to 54 couples and 48 couples have received relationship education, undoubtedly helping those couples to form healthier marriages and stronger family units. Does the Minister agree that the Department for Work and Pensions should continue to fund face-to-face marriage and relationship counselling services?

Caroline Nokes Portrait Caroline Nokes
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I thank the hon. Lady for that comment, and I have written the name of her constituency on my speech so I remember to mention specifically the point she has made about Newcastle upon Tyne.

The importance of marriage is reflected in the Government’s introduction of the marriage tax allowance. Furthermore, our commitment to supporting different types of family means that we have extended that tax allowance to include civil partnerships and, of course, same-sex marriages, which were introduced in 2014 and have been taking place since.

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Caroline Nokes Portrait Caroline Nokes
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I thank my hon. Friend for that comment and I will shortly make some very specific points about marriage that I know will make everybody very happy.

Over 48,000 couples have participated in counselling and more than 17,000 practitioners have been trained to help families in difficulty in the last four years, during which we have invested more than £30 million in services offering support to couples, to reduce parental conflict. In total, 160,000 people have been given access to support, to reduce that conflict. Alongside that, our ongoing child maintenance reforms are delivering a new programme designed to increase collaboration and reduce conflict between separated parents.

Our current programme was designed without the benefit of the latest evidence about the importance of good inter-parental relationships, while a focus on national commissioning of services makes it hard to establish effective referral mechanisms from local services. This means that, in some areas, take-up remains low, despite the prevalence of relationship distress. The hon. Member for Newcastle upon Tyne North (Catherine McKinnell) made an important intervention earlier and we will soon announce plans to procure new services to help disadvantaged parents, and others, to address parental conflict.

Catherine McKinnell Portrait Catherine McKinnell
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Will the Minister give way?

Caroline Nokes Portrait Caroline Nokes
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I am really sorry, but I am now left with only three and a half minutes and I still have quite a lot that I would like to say.

The importance of both parents to children’s future outcomes is well known to all of us. Only around half of children in separated families see their non-resident parent every fortnight or more. Through both our programme to reduce parental conflict and our child maintenance reforms, we are specifically supporting fathers, as my hon. Friend the Member for Enfield, Southgate mentioned, in both intact and separated families, to form more collaborative co-parenting relationships and hence improve their children’s outcomes. We know that some fathers feel that they are not recognised by public services as having responsibilities for their children and we want to explore how to give them the same chance to engage in their children’s lives as mothers.

Of course, we are aware that different organisations offer classes specifically aimed at preparing a couple for marriage, and those classes can offer very real benefits to people in those circumstances. We want to support programmes that have the biggest impact possible, which is why our new programme will offer support to all family types.

I acknowledge the great work of the community of organisations that advise my Department on family and parental conflict issues. I recognise the great breadth and depth of experience they have in this area. In seeking to draw on their valuable experience, on 23 January I met members of the Relationships Alliance—Relate, Marriage Care, OnePlusOne and Tavistock Relationships. We enjoyed a really productive and informative discussion about the challenges involved in addressing parental conflict, including in the most disadvantaged families, and the new national development of this important work.

The Relationships Alliance is an important organisation that plays a key role in promoting the many benefits of healthy adult relationships, and our objectives are very closely aligned. Members of the alliance have been long-standing partners of the Department, both in their capacity as subject matter experts, and as contract-holders for our current and past delivery programmes. They have given their time and expertise to policy development, and I thank them for that support. In particular, they have supported our efforts to create a new programme targeted at reducing parental conflict. We will continue to engage with the Relationships Alliance, and a wide range of stakeholders, in the future.

The Green Paper that we will bring forward shortly is a listening exercise as much as a tool to express our policy intentions. It will provide an excellent opportunity to hear from stakeholders to garner their views and expertise, and I look forward to exploring the outcomes in more depth. Disadvantaged children are a priority for Government support, and as such will also be a priority for our parental conflict contracts.

In conclusion, let me assure hon. Members that this Government are clear on the importance of the family and of marriage, in all the different forms that it can take, and we are continuing to work to drive up outcomes for children by increasing collaboration between parents, which we know is so crucially important.

I reiterate my thanks to all Members who have expressed their views and their particular enthusiasm and support for marriage. I welcome that, I acknowledge that and I reassure them that the Department intends to continue to work very hard to ensure that marriage gets the support it needs to continue being a strong bedrock for the families and the children for whom we want to secure the best possible outcomes in the future.

Question put and agreed to.

Oral Answers to Questions

Catherine McKinnell Excerpts
Monday 11th July 2016

(8 years, 4 months ago)

Commons Chamber
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Shailesh Vara Portrait The Parliamentary Under-Secretary of State for Work and Pensions (Mr Shailesh Vara)
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My hon. Friend raises a very good point. We are doing a number of things in this area. For example, as well as access to a full Jobcentre Plus offer of personalised support, the Department for Work and Pensions introduced older claimant champions in each of the seven Jobcentre Plus groups to work with work coaches within jobcentres to raise the profile of older workers, highlight the benefit of employing older jobseekers and share good practice.

Catherine McKinnell Portrait Catherine McKinnell (Newcastle upon Tyne North) (Lab)
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T5. Will the Secretary of State explain to the WASPI women from the north-east, some of whom have already retired in the mistaken belief that they would be receiving their state pension sooner and who live in a region that continues to have the highest level of unemployment in the country, how they are to make ends meet?

Shailesh Vara Portrait Mr Vara
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The hon. Lady is well aware that a number of benefits are involved here. The DWP survey in 2012 found that only 6% of the women who were due to retire within 10 years were unaware that the state pension age had increased.

Parliamentary Under-Secretary of State for Welfare Reform (Disabled People)

Catherine McKinnell Excerpts
Tuesday 28th October 2014

(10 years ago)

Commons Chamber
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Catherine McKinnell Portrait Catherine McKinnell (Newcastle upon Tyne North) (Lab)
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The Minister makes a confused argument. He accepts that Lord Freud has apologised for his comments, but defends them none the less. Surely the problem is the message sent to disabled people such as my constituents who came to see me. They have the most difficult life, and find that, under this Government—they say, “Under this Government,”—they receive abuse walking down the street because of their disability and because one of them receives benefits. The Government should take the stigmatisation of disabled people in this society seriously but the Government are adding to it.

Mark Harper Portrait Mr Harper
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I am not defending Lord Freud’s words. I am saying that it is not a reasonable conclusion to pretend that his comments reflect someone who is not fit to be a Minister of the Crown. I think Opposition Members do not really believe that. The motion is a cynical attempt to divert attention from some of the Government’s economic successes.

Let me set out the details of some of the proposals on which my noble Friend has been working. The House will see that he has improved lives not just for disabled people, but for other disadvantaged people in our country, not just in what he has said, but in what he has done.

Oral Answers to Questions

Catherine McKinnell Excerpts
Monday 31st March 2014

(10 years, 7 months ago)

Commons Chamber
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Iain Duncan Smith Portrait Mr Duncan Smith
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I am grateful to my hon. Friend for raising that issue, because under universal credit we will increase the child care level to 85% of the cost. We will be investing a further £400 million a year in a steady state, and 500,000 families will gain. These are positive incentives to go back to work. Child care costs are now paid up to a maximum of £646 per month for one child and £1,108 for two or more children. In universal credit we are removing the 16-hour rule, which exists in tax credits and is a major disincentive for many lone parents and others to take jobs—that has been abolished, and some extra £200 million will help 100,000 families back into work.

Catherine McKinnell Portrait Catherine McKinnell (Newcastle upon Tyne North) (Lab)
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17. What recent assessment he has made of whether the UK will meet the 2020 statutory child poverty target.

Iain Duncan Smith Portrait The Secretary of State for Work and Pensions (Mr Iain Duncan Smith)
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The Government are committed to the Child Poverty Act 2010 and to ending child poverty by 2020. It is not possible accurately to project child poverty figures, but already we are seeing progress in tackling the root causes. Just last week, we learned that there are now 290,000 fewer children living in workless households compared with 2010, and that has a net impact and effect on child poverty.

Catherine McKinnell Portrait Catherine McKinnell
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The Secretary of State mentions reducing the number of children in workless households, but today child poverty is overwhelmingly a problem for working families. Since 2010, the number of parents who work part time but who want to work full time is up 45%. What are the Government going to do about the prevalence of low-paid insecure work that is trapping families in poverty?

Iain Duncan Smith Portrait Mr Duncan Smith
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The last figures that covered people who were in work and in poverty were misrepresented by those who talked about them. In truth, those figures reflect what happened under the previous Government, when we saw an increase of 500,000 families who were in work and in poverty. That has been flat since the election. We are working on that to ensure that we get as many people out of poverty as possible. The reforms that we are changing and making to get people back to work, which the Minister of State, my right hon. Friend the Member for Wirral West (Esther McVey) has talked about, will have a huge impact on those who are in poverty now.

People are better off in work. Despite what Labour did, people have more chance now to change their circumstances and more likelihood of coming out of poverty. Let me remind the hon. Lady of one little fact. Labour spent £175 billion of taxpayers’ money on one benefit—chasing a child poverty target that it simply did not achieve. That was wasted money.

Food Banks

Catherine McKinnell Excerpts
Wednesday 18th December 2013

(10 years, 11 months ago)

Commons Chamber
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Esther McVey Portrait Esther McVey
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Now that I have set the scene, I give way to the hon. Member for Newcastle upon Tyne North (Catherine McKinnell).

Catherine McKinnell Portrait Catherine McKinnell (Newcastle upon Tyne North) (Lab)
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My constituency office took a phone call from an ex-serviceman yesterday who is now thankfully in receipt of a war pension, disability living allowance and employment and support allowance. However, while he was waiting for four weeks for Atos to deal with his appeal, he had to use a food bank. Does the Minister agree that that is an absolute disgrace?

Esther McVey Portrait Esther McVey
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We have hardship payments and support payments. We have put in a new element of reconsideration to make the process quicker. The speed of the transaction for getting benefits has increased by six percentage points.

Let us not get away from how this started under Labour. What each and every one of us does is important. I have heard nothing from Opposition Members about the news that, because of our welfare-to-work programme, 30 million people are in jobs today. We know that under Labour, the number of households with nobody working doubled—[Interruption.]

Housing Benefit

Catherine McKinnell Excerpts
Tuesday 12th November 2013

(11 years ago)

Commons Chamber
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Ian Swales Portrait Ian Swales (Redcar) (LD)
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I previously opposed this policy not because I think we should necessarily pay money for spare bedrooms, but because the consequences that we have heard about today were highly predictable, and I shall speak about some of them. It is no wonder that we have a crisis in rents and social housing availability when 421,000 social houses were lost under the Labour Government—a truly shameful record.

We have also heard about the different effects of the policy in different parts of the country, and I find myself identifying most with the hon. Member for Liverpool, West Derby (Stephen Twigg), given the characteristics of my constituency. Social housing is in reasonably plentiful supply and regeneration is required in many areas, but we are now getting housing blight because of the availability of three-bedroom houses that people do not want to take. Previously, smaller family units were put into those houses, but people will not take them now.

As most hon. Members have said, there is a suitability of stock problem. My constituency made the front page of the newspapers after a calculation that said it would take 37 years to make available one-bedroom accommodation to all those who need it.

Catherine McKinnell Portrait Catherine McKinnell (Newcastle upon Tyne North) (Lab)
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The hon. Gentleman is making some interesting points. I recognise that situation in Newcastle. Given that Government policy is punishing people for a problem—the stock available—not of their making, will he vote with the Opposition?

Ian Swales Portrait Ian Swales
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I worry that housing policy tends to be dictated from inside the M25. It becomes less appropriate the further away from the M25 that we go.

My constituency has a discretionary housing payments problem. The last figures that I have seen show that there were 1,307 applications, but that only 358 awards were made. That happened because the money ran out, not because the applications were inappropriate.

We also have a one-size-fits-all penalty in the calculation for the amount of the spare room subsidy. In my constituency, the cost of an extra bedroom is about £7, but people are penalised by about £11. Therefore, people who should move from a three-bedroom property to a two-bedroom property get less housing benefit than they would get if they were in a two-bedroom house, which is deeply immoral.

Like many hon. Members, I have campaigned on various issues. I am pleased to welcome the Government’s concessions on foster parents, serving military personnel and disabled children. I also welcome the trebling of discretionary housing payments, but there is a lot of unfinished business. The hon. Member for Aberdeen South (Dame Anne Begg), the Chair of the Work and Pensions Committee, made some good points. I would make a plea for the exemption of disabled adults. Children are exempt when they need separate bedrooms for medical reasons. Let us do that for adults, instead of making people go through the demeaning process of applying. In my local council, people have to apply every quarter, and the application form is deeply intrusive.

As the hon. Member for South Derbyshire (Heather Wheeler) has said, many people are perfectly willing to move to right-size accommodation, but it simply does not exist anywhere in their area. In the north of England, we have a shortage of one-bedroom accommodation. In fact, some one-bedroom accommodation is being demolished in my constituency.

Universal Credit

Catherine McKinnell Excerpts
Thursday 5th September 2013

(11 years, 2 months ago)

Commons Chamber
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Urgent Questions are proposed each morning by backbench MPs, and up to two may be selected each day by the Speaker. Chosen Urgent Questions are announced 30 minutes before Parliament sits each day.

Each Urgent Question requires a Government Minister to give a response on the debate topic.

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Iain Duncan Smith Portrait Mr Duncan Smith
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The costs overall and the savings are enormous. The total benefits to individuals and in fraud and error will total up to perhaps £38 billion. The point is that those savings are real savings. Yes, there is a problem about some wasted money in this programme that is quite unacceptable, but set against the big savings the key point is that it is a big and important programme.

Catherine McKinnell Portrait Catherine McKinnell (Newcastle upon Tyne North) (Lab)
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The use of real-time information is critical to rolling out universal credit across the country and ensuring that it works properly, so will the Secretary of State confirm that the RTI project is on time and on budget at HMRC?

Iain Duncan Smith Portrait Mr Duncan Smith
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The good thing about the pathfinder is that it has allowed us to test the RTI system. The hon. Lady will find, if she wants to visit any of the sites, that we are getting a phenomenally good feed from the RTI about the payroll. In some areas, they have already discovered that some people claiming jobseeker’s allowance are earning a salary at the same time. They have been able to deal with that, hugely due to the fact that the RTI system is working. I recall that many Opposition Members said that the RTI software would not work, but they were wrong.

Oral Answers to Questions

Catherine McKinnell Excerpts
Monday 11th March 2013

(11 years, 8 months ago)

Commons Chamber
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Ian Murray Portrait Ian Murray (Edinburgh South) (Lab)
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3. What recent assessment he has made of the effects of the Government’s proposal for a single-tier pension on women born between 6 April 1952 and 6 July 1953.

Catherine McKinnell Portrait Catherine McKinnell (Newcastle upon Tyne North) (Lab)
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6. What recent assessment he has made of the effects of the Government’s proposal for a single-tier pension on women born between 6 April 1952 and 6 July 1953.

Kate Green Portrait Kate Green (Stretford and Urmston) (Lab)
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7. What recent assessment he has made of the effects of the Government’s proposal for a single-tier pension on women born between 6 April 1952 and 6 July 1953.

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Steve Webb Portrait Steve Webb
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I take your correction on the question numbers, Mr Speaker.

I think that the hon. Gentleman should apologise to the 700 women in his constituency, as he seems to be asking us to treat them the same as a man born on the same day—that appears to be the essence of his problem. If we did that, those women would have to wait up to three years longer for their pension, and they would not thank him for that.

Catherine McKinnell Portrait Catherine McKinnell
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Some 1,700 women in Newcastle will miss out on the single-tier pension, yet men born in the same period will qualify. Claiming that those women are better off because they are allowed to retire earlier is simply not good enough. If they are retired for 20 years, they could lose up to £38,000, which is well over twice what they would receive through benefiting from retiring earlier. What message does this send out to the hard-working women of Newcastle, many of whom celebrated not only mother’s day yesterday, but international women’s day on Friday?

Steve Webb Portrait Steve Webb
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The message it sends out is that their MP did not listen a moment ago. We have published research today that shows that 85% of these women will do better over their entire retirement—both the first few years and their entire retirement.

Catherine McKinnell Portrait Catherine McKinnell
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indicated dissent.

Steve Webb Portrait Steve Webb
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Unless the hon. Lady has read the research, I do not know why she should be shaking her head. It says that 85% will do better by being treated as women than they would by being treated the same as men.

Oral Answers to Questions

Catherine McKinnell Excerpts
Monday 28th January 2013

(11 years, 10 months ago)

Commons Chamber
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Mark Hoban Portrait Mr Hoban
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I, too, have seen the excellent work that EOS does to improve people’s chances of getting into work—it has some innovative programmes—and I am relentless in pushing Work programme providers to improve their performance so that we get people into work. Last month’s unemployment figures are testament to the benefits of our actions.

Catherine McKinnell Portrait Catherine McKinnell (Newcastle upon Tyne North) (Lab)
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T1. If he will make a statement on his departmental responsibilities.

Iain Duncan Smith Portrait The Secretary of State for Work and Pensions (Mr Iain Duncan Smith)
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Today, I welcome the millionth jobseeker signed up to the universal jobmatch service, launched before Christmas, which is revolutionising how claimants look for work—with online job searching and matching through DWP on a scale never seen before. The system works 24/7 to find jobs that fit with people’s skills, location and working patterns, which means that their CV works for them even while they sleep. The service harnesses new technology to improve their prospects, and was launched on time and on budget.

Catherine McKinnell Portrait Catherine McKinnell
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It would appear that about 430,000 women born between 6 April 1952 and 6 July 1953 will not qualify for the new pension, while men of the same age will. What does the Minister have to say to the 1,700 women in Newcastle potentially affected by this unfair situation?

Steve Webb Portrait The Minister of State, Department for Work and Pensions (Steve Webb)
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Those women will, of course, receive a state pension up to two years before a man born on the same day and have the option of being treated in the same way as a man—for example, they could defer their pension for two years and get an extra 20% for deferral. That is an option. We cannot bring the measure forward, however, because the occupational pension sector needs time. The only way we could treat men and women identically would be to delay until 2019, but if we did that many more women would be excluded.