State Pension: Working-class Women

Chi Onwurah Excerpts

Thursday 9th February 2017 Westminster Hall

[Ian Blackford (Ross, Skye and Lochaber) (SNP)]

The hon. Lady is giving a graphic account of the difficulties that Mrs Tenniswood and many other women have faced. Mrs Tenniswood has paid national insurance contributions for 42 years. Is it not the case that somebody in her situation was doing that under the impression that that was a contract with the Government—an entitlement to a pension? The hon. Lady has described how Mrs Tenniswood has had to write and ask for her pension statement, but the Government should have communicated with Mrs Tenniswood. That failure of communication has not allowed people the time to properly prepare, which is the real damage caused by the changes.

[Chi Onwurah]

The hon. Gentleman is quite right—there is a sense of a broken contract between the state and hard-working citizens. The failure to give adequate notice means that the changes could not have been planned for. The consequences of many life decisions that WASPI women have taken are now that they face many years of reduced income that they could not have anticipated.

Mrs Tenniswood’s experience is far from unique. One woman told me that she has a neck injury and spondylitis —two debilitating diseases that would exclude her from many jobs. She said:

“I do not want to be forced to work until I drop.”

Why should she be? Another woman told me that she had recently been diagnosed with osteophytic lipping in her hips. She said:

“I am not so mobile as I once was. I cannot possibly carry on getting in and out of a car with the chemist’s deliveries—”

that is her job—

“30 to 50 times a day.”

[Nic Dakin (Scunthorpe) (Lab)]

I congratulate my hon. Friend on securing this debate. Constituents of mine have been in exactly the same position as Mrs Tenniswood, so her case is not exceptional, but unfortunately very much the norm. These women have paid in year after year and then, when they come to take back something that they thought they would receive, it is not there. Not only that, but they cannot get other entitlements that are linked to the age of retirement, so it makes things very difficult for them. Sometimes, if they fall on hard times, the Department for Work and Pensions deals with them in a way that is demeaning, which also does not help.

[Chi Onwurah]

My hon. Friend is absolutely right. As I said, part of the debate is about dignity in old age. It is also about the contract with the state. In fact, he has anticipated what I was going to say. In the case of Mrs Tenniswood, one bureaucratic letter took away the certainty that she had had for most of her working life in a very hard trade. The belief that the state would provide her with a pension in her old age—one she had earned—was torn to shreds.

Because Mrs Tenniswood is working class, her life expectancy is lower. In Newcastle, the gap in average life expectancy between inner-city Byker and more affluent South Gosforth is 12.6 years, and the gap is rising under this Government. This pattern is repeated across the country. Owing to the health inequalities from which we still suffer, working-class women are on average expected to die seven years earlier than their peers from more affluent backgrounds. When Mrs Tenniswood finally receives her pension, she can expect to have less time to enjoy it than other women of her age, and she is likely to have a worse experience of old age.

A quarter of Newcastle’s neighbourhoods are in the 10% most deprived in the country. In Newcastle, we are more likely to die earlier from cancer, heart disease and strokes. We suffer from the diseases of our industrial legacy, such as asbestosis. Heart attacks are responsible for 1,100 premature deaths in the north-east every year, which is higher than the national average because of the income disparity. Such inequality is replicated in regions across the country. Data from the Office for National Statistics tell us that, compared with women who live in more affluent areas, working-class women will live for 19 years longer in poor health. So they live shorter lives and a higher proportion of their time is spent in poor health before they die. That is also true of working-class men; I recognise that. They also suffer from significant health inequalities, but, as we have heard, they have not had their expectations of retirement overturned without any attempt to ease the transition.

Our pension system, and the wider system of social security of which it is a part, was founded on the principles of reciprocity, justice and fairness. I fail to see anything just, fair or reciprocal in the treatment of the WASPI women by the Department for Work and Pensions. The Government have rejected many opportunities to deliver a fair settlement for WASPI women, and by accelerating the changes they have embedded unfairness. To add insult to injury, they insist on ignoring and trivialising the issue.

Last week the Minister, who is with us today, refused to use the phrase “working-class” in what passed for an answer to my question on the subject, and argued that

“we are all working now.”—[Official Report, 2 February 2017; Vol. 620, c. 1171.]

I take issue with that premise. In Newcastle, unemployment stands at 5.4% of the economically active population, which is almost twice the national average, and that figure is rising year on year. The figures are even bleaker for older adults. Nationally, the employment rate for people aged 50 to 64 is only 70%. Last Thursday—the same day I asked the Minister my question—the DWP published a guide to help employers hire older workers, noting that three out of four retiring men and two thirds of women have not worked for five or more years. So we are not all working now. Perhaps the Minister was not informed that that was a priority for her Department: hardly an example of joined-up Government.

Irrespective of whether the Minister believes that we are all working now, the conditions that we work in are not equal. Perhaps the Minister should consider that not all women were so fortunate as she was, staying in full-time education until the age of 22—[Interruption.]—Twenty-one. The Minister corrects me. And immediately starting work as a researcher for an MEP who happened to be her father. I do not want to make assumptions, so perhaps the Minister will clarify whether she considers the job working for her father, or a subsequent one as chief executive officer of the National Pony Society, to have been manual labour.

One of the women who got in touch with me told me:

“The Conservative Government has never had pocket money, just blank cheques—they have no idea about the real world.”

I will leave it to others to decide whether that is a fair depiction, but it is obvious that the Government have not done enough to help the women. Talk of a Government who work for working people would be laughable were it not such a serious subject.

Whenever such issues are raised, we are told that we live in a country with a social security system that prevents changes such as the change in pension age from leading to hardship. If the Government seriously believe that our social security system—gutted under Tory changes since 2010—is providing adequately for the women, perhaps it is true that

“they have no idea about the real world.”

However, I will give the Minister the opportunity to demonstrate her understanding of reality by asking her: first, does she acknowledge the existence of working-class women? Secondly, does she acknowledge that although many more of us may be working now, working-class women, who often face the challenges of poverty predominantly in manual trades, have specific experiences? Thirdly, does she acknowledge that working-class women were more likely to start working earlier, and to work in jobs that take a higher toll on the body? Fourthly, does she acknowledge that working-class women are more likely to die younger and to suffer more ill health in retirement? Fifthly, does she acknowledge that they are more likely to be more dependent on the state pension, not having benefited from subsidised work pensions? Does she agree that those five factors make it much more likely that they will not benefit from their retirement to the extent that more privileged groups do, and that the state pension changes are therefore more unjust? Will she commit to considering transitional arrangements for WASPI women? Will she commit to working with the Treasury to announce a solution to the dire predicament in which so many women have been left in the forthcoming Budget?

I called this debate on behalf of all women whose lives have been blighted owing to the ill-considered and discriminatory nature of the changes. As I started with the example of a constituent, I would now like to end with the experience of another working-class woman who, to my great regret, did not live long enough to be a constituent of mine: my mother.

My mother was born in the 1920s in the depths of another great depression when there was no national health service. She grew up in Newcastle in great poverty. Of her six siblings, only one survived into adulthood. Five died of the diseases of poverty: diseases that, in the absence of the national health service, destroyed the lives of so many and had consequences much later in life, causing health inequalities that the health service cannot eradicate—certainly not one as underfunded as the NHS is now. I am sure that that childhood poverty influenced her life expectancy. She died before her 70th birthday, but had lived—cheerfully—with ill health and disability for two decades previously.

It is absolutely iniquitous to imagine that my mother would have had perhaps just three or four years of pension —and that in great ill health—because the Government cannot recognise a fundamental injustice, and, indeed, do not even recognise the existence of working-class women. The debate is, however, not about my mother’s experience, or even Mrs Tenniswood’s experience; it is about the experiences of tens of thousands of working-class women whose lives and retirement have been blighted by changes that were ill-advised and poorly implemented, and in which they and their experiences were not considered.

I want to close my remarks with a small selection of quotations from the appeals that I received. One woman said:

“Stress has made me so ill, physically exhausted and mentally struggling to survive”.

Another said:

“Being too disabled to work is humiliating enough without being made to suffer further humiliation at my age. Hopes, dreams and careful plans to enjoy our retirement shattered. Savings all gone, future bleak! No letter, no notice.”

This came from another woman:

“I am at times very depressed as it felt like I had done a prison sentence for 44 years then, just before my release date, it was extended another six years.”

I came into politics to fight for people like those women, but I am not simply fighting on their behalf. I am fighting with them, side by side.

Another WASPI woman said:

“My mother welded fan blades for Ford Dagenham and it was women who all stood shoulder to shoulder that achieved equal pay for women.

Nothing is ever impossible if women are united in their cause.”

I believe that to be the case and I plead with the Minister to heed the voices of the thousands of working-class WASPI women who are crying out for justice.

--- Later in debate ---

[Alison Thewliss]

The hon. Lady is correct. Some women are able to work, want to work and do work. Some do not want to retire, but want to keep working, and that is great for them. I knew women when I was a councillor for eight years before becoming an MP who want to work, are part of their community and want to contribute. That is fine if they are able to, but not all woman are able to. We must think of them and look after them all the more, because they have given so much during their lives.

[Chi Onwurah]

The hon. Lady is making an excellent contribution, but my intervention relates to the previous one. I have had two jobs that I have really enjoyed—Member of Parliament and engineer—and I hope to continue working into my seventies. Does the hon. Member for Eastleigh (Mims Davies) agree that my mother’s generation and the WASPI woman generation did not have our opportunities? Most of the Members of Parliament here are women. The previous generation did not have the opportunity to build up the sort of pension fund that we have and they did not have the opportunities for careers that give fulfilment without manual effort late in life. We should recognise that.

[Alison Thewliss]

The hon. Lady is absolutely correct. Some women have had opportunities stifled throughout their lives. They were not given the chance to go off and have the careers they wanted. My grandmother was forced to leave school. I have her school report and she was one of the brightest in her class, but her family said she had to go out and work and not stay on at school or go on to further education.

That has been the life path for many women. It is what they have done. During their working lives they have not spent as much time as they would have liked with their children, but they saw their retirement as an opportunity to get that back, to look after their grandchildren and to enjoy that experience instead of being forced to go out to work at all hours to try to bring in a wage. The Government should at least acknowledge the impact of that, particularly on families in poorer areas where childcare is not as available or is too expensive. These are women who were hoping to make a contribution to their families, providing childcare so that their children could go out to work and bring in an income.

We need to think about the contribution those women have made to society in the round and the debt we owe them. I urge the Government in the Budget in a few weeks to see what transitional arrangements can be put in place and what can be done to give those women the fair retirement they deserve.

--- Later in debate ---

[Chi Onwurah]

Will the Minister give way?

[Caroline Nokes]

Well, I might if there were not a little private chat going on at the front of the Chamber. Still, I acknowledge that the hon. Lady is no part of that, so I give way.

[Chi Onwurah]

So far, the Minister’s contribution has not really reflected what this debate is about. I remind her that I asked her five specific questions and that I observed that this is a debate about working-class women. She has yet to use the word “working-class”; I hope she will before she sits down.

[Caroline Nokes]

I draw the hon. Lady’s attention to the specific title of the debate, which I believe I am covering: “That this House has considered the effect of state pension changes”. I have dealt with the new state pension thoroughly, and I hope that we will all acknowledge that we have indeed had a significant change with the introduction of the new state pension.

--- Later in debate ---

[Caroline Nokes]

Thank you, Mr Flello.

As I was saying, that is why we continue to spend £90 billion a year on working-age benefits to assist those in this country who are unable to work. For those seeking work, people in receipt of working-age benefits can access a range of support from Jobcentre Plus and tailored support from the Work programme.

Specifically, the evidence is clear, and we as a Government are clear, that work is the best route out of poverty. That is why this Government’s approach has been about recognising the value and importance of work, to make work pay and to support people into work, while protecting the most vulnerable in society.

Our reforms are transforming lives. Today’s labour market statistics show that we continue to have a record number of people in work—over 2.7 million more than in 2010. The number of workless households is down by 865,000, and the percentage of households in the social sector where no one works has fallen from 49% to 38%, which is a decrease of nearly 350,000 households.

We have made a real difference for women, with more than 1 million more women in work since 2010 and the highest rate of female employment on record. The gender pay gap is also at its lowest level since records began, and there are now 1.2 million women-led small and medium-sized enterprises, which is more than ever before. We are rightly proud of our record but recognise that there is more to do.

We had to equalise state pension age to eliminate gender inequalities in social security provision—it is the right thing to do—and we had to accelerate this process due to increases in longevity, in order to protect the long-term sustainability of state pension provision in this country.

We know that whenever things change, there have to be dividing lines, and I understand that the changes are most stark for those closest to the line. That is no different in this case. We understand that and the Government listened to the concerns expressed at the time. Therefore, a concession worth more than £1 billion was introduced, despite the fiscal situation, to lessen the impact of the changes on those worst affected. The concession reduced the delay that anyone would experience in claiming their state pension and benefited almost a quarter of a million women.

However, going further than that simply cannot be justified, given that the underlying imperative must be to focus public resources on those most in need. I have listened to Opposition Members, and I have heard and understood their concerns. However, let me be clear—we are making no further concessions on this issue. As well as being unaffordable, reversing the Pensions Act 1995 would create an anomaly, whereby women would be expected to work for less time than they work now, and it would be discriminatory to men. It is not practical to implement.

John Cridland’s independent report on state pension age will consider wider factors that should—

[Chi Onwurah]

I certainly thank the Minister for finally coming to matters that are relevant to this debate and the people here. However, does she recognise the point that because the women we are discussing today started work earlier—at the age of 15, which is long before she or I started work—they are the generation who are working longer than any other generation? When she says that giving a further “concession” would mean that they ended up working for less time than other women, does she not recognise that they have worked, and are working, for longer?

[Robert Flello (in the Chair)]

Just before I call the Minister to continue, may I suggest that she perhaps speaks for only a couple more minutes?

--- Later in debate ---

[Chi Onwurah]

Thank you, Mr Flello, for calling me to speak again, and I congratulate you on your excellent chairing of this debate—if, indeed, we can call it a “debate”.

I thank the hon. Members from the Scottish National party and from my own party, in particular the shadow Minister, my hon. Friend the Member for Swansea East (Carolyn Harris), for their contributions, and for highlighting the experiences of so many hundreds of thousands—indeed, millions—of WASPI women; the poverty they have experienced and, indeed, the betrayal that so many of them feel at the tearing-up of the contract between state and citizen.

While I thank the Minister for including some relevant parts in her contribution, they were relevant only inasmuch as they made clear the Government’s total lack of understanding of the experience of WASPI women, and that no further “concession”—as the Minister chose to call it, whereas I would call it basic justice—would be offered.

I also observe that the Minister went through her entire contribution without mentioning “working-class women”, which is in the title of the debate. These women have worked the longest and suffered the greatest indignities in facing challenges that the Minister and I know nothing of, with regard to discrimination, poverty and lack of opportunity. That the Minister, from her privileged position, should nevertheless refuse to offer any kind of support or consideration to the great women of this country, who have worked so hard and deserve so much more from this place, I find absolutely unbelievable. Indeed, Mr Flello, I will sit down before I am forced to be disorderly in my condemnation of the Government’s position on this issue.

Question put,

That this House has considered the effect of state pension changes on working-class women.

The Chair’s opinion as to the decision of the Question was challenged.

Question not decided (Standing Order No. 10(13)).