Women’s State Pension Age Communication: PHSO Report

Christine Jardine Excerpts

Tuesday 17th December 2024 Commons Chamber

[Liz Kendall]

My hon. Friend asks a reasonable question. The difficulty is we estimate that going through 3.5 million women to find out which ones knew about their state pension age increasing and would have made different decisions on that basis would take 10 times the number of staff who administer the state pension for 12 million people, and many years. We do not think that is an affordable or possible programme. The ombudsman himself goes through that point, and that is why he proposes a flat rate, but I have already said why we think that is not justified when 90% of those women knew their state pension age was increasing.

[Christine Jardine (Edinburgh West) (LD)]

One of the very first constituents who came to me after I was elected in 2017 was Helen, whose decision on her financial future was taken just before she received the letter, which came late—so it did have an impact on her. It also had an impact on the thousands of WASPI women in my constituency who have contacted me over the past seven and a half years. How does the Secretary of State think that any pensioner in this country, regardless of the triple lock, which was the creation of the Liberal Democrats with the Conservatives, can have faith in a Government who have taken away their winter fuel allowance and now do not respect the injustice done to them in not compensating the WASPI women?

[Liz Kendall]

Our commitment to the pension triple lock, which will deliver an increase of £470 in the new state pension from this April and up to £1,900 extra over the course of this Parliament, backed by over £30 billion of investment, is a serious investment in pensioners. We believe that the basic state pension is the foundation for security in retirement. If the Liberal Democrats want to come up with a costed proposal to do what the ombudsman says, they are perfectly at liberty to do so, although we think that that is the wrong approach.

“Get Britain Working” White Paper

Christine Jardine Excerpts

Tuesday 26th November 2024 Commons Chamber

[Liz Kendall]

My hon. Friend hits the nail on the head. The “Get Britain Working” White Paper is part of a much wider series of reforms that the Government are making to create more good jobs in every part of the country, including in green energy, through our modern industrial strategy, and through our plans, in the new deal for working people, to make work pay. Yesterday, I was at a college in Peterborough that is looking at how to upskill young people so that they can get the clean, green energy jobs of the future. That needs to happen in every part of the country, because we want the new jobs that we are creating to be available to those who need them most. We have not really managed to fit that together before—to get the DWP and our “Get Britain Working” plans underpinning our local growth plans. That is a big change that we have to deliver, if we are to make sure that everybody in this country benefits from the jobs we are creating.

[Christine Jardine (Edinburgh West) (LD)]

I welcome much of what the Secretary of State has said, and I am delighted that she has assured us that there will be discussions with the Scottish Government about plans for Scotland. Throughout the past two or three years, businesses in my constituency have told me that they are concerned that they cannot get people to work for them, so this strategy will be welcome. However, does the Secretary of State appreciate that many of us see a contradiction between this policy and the national insurance changes? A major employer in my constituency tells me that the changes will cost it £250,000 extra a year, and it will not take on seasonal workers because it cannot afford to. How does that damaging policy for business go alongside trying to encourage more people back to work?

[Liz Kendall]

Of course businesses face these pressures, but I think many of them understand that the Government have to look at the fundamentals. We faced a problem with the public finances when we got into government. My right hon. Friend the Chancellor took the decision that the only way we could sort out the country for the long term was to get the public finances back on a more sustainable footing. The businesses that I have met, including Tesco in my constituency, raised concerns with me, but they also said that they really want to get more young people who have mental health problems into work. Tesco has a brilliant partnership with the King’s Trust to get those young people into work and help them stay there, because it knows that the key to those young people’s future is to get those skills, so that they can grow business and make the changes that this country needs.

Women’s State Pension Age: Ombudsman Report

Christine Jardine Excerpts

Thursday 16th May 2024 Commons Chamber

[Andrew Selous]

I am grateful to my right hon. Friend. What he says is accurate. He quotes from the report; it was in July 2021 that the ombudsman found maladministration. In the report on 21 March, it said that that had led to an injustice. Like my right hon. Friend, I will quote briefly from the ombudsman. It said of the Department for Work and Pensions that

“in 2005 it failed to take adequate account of the need for targeted and individually tailored information. In 2006, DWP proposed writing directly to women individually to let them know their State Pension age had changed, but it then failed to act promptly. We found that if DWP had made a reasonable decision about next steps in 2005, and then acted promptly, it would have begun writing to affected women by December 2006.”

My right hon. Friend and other Members will have seen that in the back of the report, there is a table showing what should have happened when.

I, too, have constituents who wrote to me to say that they were very close to the age of 60 at the time. Some had worked all their working life, since the age of 15 or so. They had made all their plans on the basis that they could get their pension at 60, and they literally found out about the change from colleagues in the workplace, sometimes very shortly before they thought they were due to retire.

[Christine Jardine (Edinburgh West) (LD)]

Will the hon. Gentleman give way?

[Andrew Selous]

I will, briefly, but it will probably be the last intervention, as I take heed of what Mr Deputy Speaker said.

[Christine Jardine]

I thank the hon. Gentleman for giving way. The point he makes rings true for me. The very first constituent who came to me with a problem when I was elected seven years ago was a WASPI woman. She was less than two years away from retirement when she learned by accident of the change. Seven years on, she is no better off; in a lot of ways, she is much worse off. A lot of those who are not WASPI women now wonder if they know the truth about when they will get their pension. Does he agree that although this issue is fundamentally about the WASPI women, it is about trust, and women having trust in this institution?

[Andrew Selous]

I agree. The issue of trust is really important, one that this House should not take lightly.

In my South West Bedfordshire constituency, it is estimated that there are 6,000 women in this situation. The cost of their compensation, at level 4, as recommended by the ombudsman, would be £6 million at the lower level, and at the upper level £17.7 million. If we extrapolate from that to the UK, I think the sum is £3.9 billion at the lower end and £11.5 billion at the upper end. We must be honest; I believe in honesty in politics. These are large sums—very large, when we add the amount that we will have to pay the postmasters and postmistresses, for whom we are also all campaigning, and the sums for the victims of the infected blood scandal, for whom most of us are also campaigning; and then there are other campaigns, such as the one relating to Equitable Life.

Pension Schemes

Christine Jardine Excerpts

Thursday 2nd May 2024 Commons Chamber

[Stephen Doughty (Cardiff South and Penarth) (Lab/Co-op)]

It is a pleasure to follow the Chair of the Work and Pensions Committee, my right hon. Friend the Member for East Ham (Sir Stephen Timms), and I thank the right hon. Member for Orkney and Shetland (Mr Carmichael) for securing the debate. It gives us a chance to raise a number of issues, and I have listened with particular interest to the remarks about defined-benefit schemes and the recent report of the Select Committee, which is what I want to talk about today.

I speak, as the MP for Cardiff South and Penarth, on behalf of the many individuals affected by the collapse of the Allied Steel and Wire pension fund. That of course affected not just constituents in Cardiff South and Penarth, but people across south Wales and in other locations in the UK. I have regularly met constituents and others affected by that terrible injustice. Over the time I have been in the House, I have heard the passionate way in which they have made their case, which is heart- breaking. They put into a pension scheme expecting a defined benefit after many years of service in a tough industry—steelmaking, which has a proud tradition in my constituency, as it does across south Wales—yet they have not received what they paid in for. That is essentially because the employees were members of the ASW pension plan and the ASW Sheerness Steel Group pension fund, both of which were wound up underfunded.

Those members ended up having to rely on the financial assistance scheme, which, as has been said, provides financial assistance to members of defined-benefit pension schemes who lost all or part of their pension following their scheme coming to an end between 1 January 1997 and 5 April 2005. The arrangements that were made resulted, in theory, in members receiving something broadly equivalent to 90% of the expected pension, which is obviously less than what they expected to receive, but this could be reduced if it was above the FAS cap. Of course, members who had paid in substantial amounts before 5 April 1997 did not receive any index linking, which means that the value of their pension pots has been substantially reduced. Even the funding that went in after that date will not have kept pace with actual inflation, because it was related to the increase of up to a maximum of 2.5%. The net result is that many of them received somewhere between 40% and 50% less than they felt they were entitled to.

Those members, many of whom paid into the schemes in good faith, have often explained to me very clearly how they were originally sold the schemes. They were told it was going to be absolutely solid—as solid as the steel they were making—yet they found themselves in real difficulties in later life. Sadly, many of those members have since passed away, or suffered illness, financial hardship, mental distress and many other issues during that time.

[Christine Jardine (Edinburgh West) (LD)]

The hon. Member raises a point that I have been particularly concerned about. Constituents have recently come to me because they are facing problems getting their pension entitlement from Police Scotland, so from a public sector pension. One of the lessons we need to learn from these continual scandals is that we need to act quickly, because the longer we take, the more people lose out, and people pass away and never get the justice they deserve.

Pensions (Special Rules for End of Life) Bill

Christine Jardine Excerpts

Committee stage
Wednesday 24th April 2024 Public Bill Committees

[Mr Robertson]

I am grateful to my hon. Friend for raising that point. As I understand it, it is a classification or assessment made by the medical person in charge of a person’s very sad case. One of my motivations for introducing the Bill is that, given advances in medical science, it can be difficult to predict how long somebody is likely to live. Six months is a very short period of time and, through appropriate care, somebody can perhaps live longer than that. I seek to extend it to 12 months, which is somewhat more all-encompassing, but it is still a prediction. It is still drawing a line somewhere.

One of the points raised by my hon. Friend the Member for Shipley (Sir Philip Davies) on Second Reading was that perhaps we should assess the person’s capabilities and physical and mental state rather than try to predict how long they will live. That was a worthwhile intervention from him, but I do not think we are at that stage yet. What we are saying now is to extend the six-month period to 12 months, because that would make it a little more predictable—if that is the right word. It is a difficult area and my hon. Friend the Member for North Wiltshire has picked up on a good point.

Clause 1(1) amends schedule 7 to the Pensions Act 2004 and subsection (2) amends schedule 5 to the Pensions Act 2008, with both substituting six months for 12 months.

[Christine Jardine (Edinburgh West) (LD)]

I, too, offer the hon. Gentleman my congratulations. The Bill is extremely worth while. We have talked about the difficulties of diagnosis and the fact that 12 months is a more reasonable period, but does he anticipate that extending the period from six to 12 months will bring a lot more conditions and illnesses into the scope of the legislation?

[Mr Robertson]

I am grateful for that intervention; it is a good question. Not being a medical person, I assume it would bring some more illnesses within the definition, but it will not affect a huge number of people. As I say, the Bill is fairly narrow in scope. What I hope it will do is prompt the providers of other pension schemes to consider adopting the 12-month period rather than six months. Yes, I am sure it will bring in more people with various illnesses. Not being a medic, I would hesitate to go any further, but that is a good point.

Clause 1(3) and (4) make similar provisions to subsections (1) and (2) but for Northern Ireland, amending the definition of terminal illness in respect of Pension Protection Fund compensation payments. Subsection (3) amends schedule 6 to the Pensions (Northern Ireland) Order 2005 and subsection (4) amends schedule 4 to the Pensions (No. 2) Act (Northern Ireland) 2008. Again, both substitute six months for 12 months.

I have a few more provisions to read through yet; I apologise to the Committee. Subsection (5) amends the definition of terminal illness and the period of life expectancy in relation to progressive disease in regulations 2(9) and 17(3D) of the Financial Assistance Scheme Regulations 2005. Again, both substitute six months for 12 months.

State Pension Changes: Women

Christine Jardine Excerpts

Tuesday 12th March 2024 Westminster Hall

[Gill Furniss (Sheffield, Brightside and Hillsborough) (Lab)]

It is an honour to serve under your chairpersonship, Sir Gary.

I thank the hon. Member for Strangford (Jim Shannon) for raising this debate. He was kind enough to participate in my recent Westminster Hall debate on school libraries, and I am delighted to return the pleasure by attending his debate and responding for the Opposition. I also thank the many Members who have turned out today and spoken so eloquently, demonstrating so much understanding of this long-standing issue. I have to declare an interest because I too am a WASPI woman in my 50s. I put that on the record.

As we all know, many women get a rough deal from their pension. Women live around seven years longer than men, meaning our pension wealth needs to go further, yet on average we retire with pension savings of only £69,000 compared with £205,000 for men. Pensions were introduced at a time when the workforce was predominantly composed of men as the primary or sole breadwinner, with women expected to rely on their husbands’ pensions for an income in retirement. We were systematically denied the opportunity to achieve our own economic independence and security. Thankfully, legislation and societal attitudes have come a long way since the 1970s, but the impact of those historical practices continues to affect women’s economic status in retirement. Even today, women’s average pay is equivalent to 75% of a man’s and a lower salary will inevitably result in lower pension contributions and worse retirement outcomes.

[Christine Jardine (Edinburgh West) (LD)]

I thank the hon. Member for giving way and also congratulate the hon. Member for Strangford (Jim Shannon) on bringing the debate. On the inequalities the hon. Lady talked about, although many of us are not directly affected, there cannot be a family in this country that does not have a woman or a close relative who has been affected. Does she think that perhaps the Government need to reexamine whether they fully appreciate the scale of the problem and that they should listen to those of us who have been fighting this cause since the day we were elected, which is many years now?

Disability Action Plan

Christine Jardine Excerpts

Monday 5th February 2024 Commons Chamber

[Mims Davies]

I thank my right hon. Friend for his question. Research shows that disabled people are more likely to experience difficulties and barriers in accessing products and services, which results in a lack of confidence —whether that is on the high street, in going to work, or elsewhere. The consultation proposes a voluntary accreditation scheme for businesses to train their staff in disability awareness. The benefits to business are absolutely clear: Purple says that the spending power of disabled households is £284 billion a year.

As my right hon. Friend knows, I lead on women’s health and on the wider issue of keeping women in the workforce within the Department for Work and Pensions. The debilitating impact of the menopause and the wider impact of menstruation in the oil and gas sector, for example, were issues raised in Aberdeen just last week, which links into our women’s health strategy. This is the second time that endometriosis has been mentioned in the Chamber recently. I would be happy to meet my right hon. Friend and others to discuss how we link it into our understanding.

[Christine Jardine (Edinburgh West) (LD)]

There is much to welcome in the plan, but there are also a few things that are missing. One specific thing that the Minister has included in her 14 areas for action is helping businesses of all sizes and sectors to understand the needs of, and deliver improvements for, disabled people. One of my constituents came to me recently because, as a user of an electric wheelchair, she has found it almost impossible to know what businesses—specifically hotels—mean by “accessible”. It means something different to every business: wheelchair users can find themselves going into a business and then being unable to move around. If they are in a hotel, they can get to their hotel room, but cannot move around within that room. Can the Minister tell us whether the Government are going to take action to set out exactly what is needed if a business is going to use the term “accessible”?

[Mims Davies]

I thank the hon. Lady for making that point, which also applies to businesses’ recruitment: they talk about recruiting differently, and they want to do so, but then they regress. That tends to be due to a lack of understanding. The Disability Unit will work to better define what businesses need to do, building on the main issues raised in the consultation responses. That work will also look at evidence gaps; at where existing schemes are already doing things and there may be duplication; and, as the hon. Lady said and as I described earlier, at where people think they are doing the right thing but it does not match the reality of the experience for disabled people using a service or having a day out or a night away. That is part of the work covered by actions 18 and 19 in the plan, and I would be delighted to hear from the hon. Lady what that means to her constituents.

Cost of Living: Pensioners

Christine Jardine Excerpts

Tuesday 16th January 2024 Commons Chamber

[Wendy Chamberlain]

I regularly meet Steve Webb, the former Lib Dem Pensions Minister from the coalition, and I know how hard he worked when in government on this policy, so I entirely agree with my hon. Friend and thank him for his intervention.

The triple lock is of no use to anyone if the Government cannot get their systems working to pay people what they are due. Repeatedly last year we learned of pensioners nearing or reaching pension age trying to top up their national insurance records and seeing their money disappear without a trace. It would appear again some weeks later, but often only after chasing by an MP, an adviser or due to media coverage. That was not just in one or two cases; what became apparent were systemic problems of jammed helplines and hundreds upon hundreds of people losing track of their savings as they paid them over to the Government. Will the Minister tell us what he is doing to resource properly the Future Pension Centre?

[Christine Jardine (Edinburgh West) (LD)]

My hon. Friend is making a strong point and an excellent speech. On savings and topping up national insurance, we hear that about two thirds of those over 64 are dipping into their savings just to keep going. They are cutting down on food, and eating less healthily. Apart from the cruelty shown to pensioners by forcing them into that position, are the Government not short-sighted in not seeing the implications of treating our pensioners so badly for the NHS, the welfare system and social care?

[Wendy Chamberlain]

I think it is reflected across a number of policy areas that we should look in all our services at sufficiency of income, allowing people to live with dignity and respect and knowing that they can cover the essentials, and for pensioners as well as for other age groups.

Work Capability Assessment Consultation

Christine Jardine Excerpts

Tuesday 5th September 2023 Commons Chamber

[Mel Stride]

The hon. Gentleman is able to feed into the consultation and I encourage him and his constituents, as appropriate, to do so. I cannot comment on the individual case that he raises, but if he would like to get in touch with me and my private office, I would be very happy to look at the circumstances that he has raised.

[Christine Jardine (Edinburgh West) (LD)]

I think all of us in this place would welcome an improvement to the work capability assessment. Like many others here, I have had a number of constituents who currently receive PIP payments coming through my door. They have contacted the DWP to advise officials that their situation has significantly deteriorated. They now face lengthy delays of several months before their payments are taken over by Social Security Scotland and their change in circumstances is considered. Can the Minister assure us that, in the work being undertaken and in the consultation, there will be discussion between the DWP and the Scottish Government to make sure that payment recipients in Scotland are not put at a significant disadvantage, and that the upheaval that they are currently undergoing is taken into account?

[Mel Stride]

I thank the hon. Lady for her question. Just to clarify, there are no plans on the part of the Government to make any changes to the way in which PIP operates—and she did refer specifically to PIP. On the broader point, which is an important point about the interaction between my Department and the Scottish Government, I assure her that I have written today to my Scottish counterpart to open my door to whatever discussions they wish to have. The Minister for Disabled People will also be having his regular engagement with the Scottish Government next week.

People with Disabilities: Cost of Living

Christine Jardine Excerpts

Tuesday 16th May 2023 Westminster Hall

[Marion Fellows (Motherwell and Wishaw) (SNP)]

I beg to move,

That this House has considered the cost of living for people with disabilities.

It is a real pleasure to serve under you, Dr Huq. In the years in which I have had the privilege of being the Member of Parliament for Motherwell and Wishaw, I have received loads of briefings from many organisations to support my work in these types of debate. For this debate, I have received a record number of briefings, and they have come from these organisations, which I shall name check: Scope, the Food Foundation, Guide Dogs, the British Association of Social Workers, the MS Society, Which?, Mencap, the Cystic Fibrosis Trust and the Motor Neurone Disease Association. That tells its own story.

Those organisations are so worried. They are telling me that the Government have continuously failed disabled people, their carers and their families; that the Government are tinkering around the edges of a cost of living crisis that is affecting millions of people across the United Kingdom; and that the impact of the crisis affects those with disabilities, their carers and their families even more seriously than it affects the rest of the population.

I woke this morning to the news that the Prime Minister is having a farm-to-fork summit on the cost of food—the figure of 19.1% is being bandied about as a headline for food price inflation—and when I opened my iPad, I read about a father who had admitted to stealing baby formula to feed his child because his wife had been watering down the formula. That is the UK in 2023, and the situation is even worse for disabled households.

Scope’s recent disability price tag report shows that the cost of being disabled in 2023 has risen to £975 per month for a disabled household, inclusive of disability benefits. People do not get disability benefits on top; that is inclusive. The personal independence payment was designed to offset the additional costs associated with being disabled, but it is now totally inadequate. That figure represents a £300 per month increase from 2016-17, when Scope last did this. Scope also says that it would be £1,122 per month if the figure were updated to accommodate the inflationary costs for the 2022-23 period. The bottom line is that Government support for those with disabilities has been wholly inadequate throughout the cost of living crisis. Disability Rights UK has said that the cost of living payments “don’t touch the sides”.

[Christine Jardine (Edinburgh West) (LD)]

The hon. Lady is making a powerful argument. The Resolution Foundation said recently that those with disabilities have 44% less available to spend in the current economic crisis than those of us who are fortunate enough to be fully abled. At a time when energy costs have made life more difficult for everyone, does she think that we have perhaps missed a vital opportunity to support the disabled by helping them more with those costs?

[Marion Fellows]

The hon. Lady will know that I do not often agree with her, but in this case I totally agree. There are many other organisations—she mentioned the Resolution Foundation, and the MND Association has outlined that those with motor neurone disease face additional costs of £14,500 per year. Naturally, those with the condition have much higher energy needs in order to power their essential, life-saving equipment.