State Pension Age Equalisation

Debate between Gregory Campbell and Baroness Keeley

Wednesday 2nd December 2015 Westminster Hall

[Barbara Keeley]

I agree with the hon. Lady.

As with the tax credit cuts that the Chancellor has just been forced to abandon, it is clear from a comment such as the one I have just quoted that he does not understand the impact of his policies on those affected by them. He does not understand what it really means to

“just increase the age at which that retirement entitlement kicks in”.

I have a constituent who is now forced to live off her savings after working and paying national insurance for 44 years, and another who is unemployed at the age of 61 and trying to live on £75 a week. Another constituent aged 61 has paid into national insurance for 44 years. She has been on sick leave, and when she moved on to half pay she was told that she had to start going to the jobcentre, where the staff treated her without dignity or respect. After 44 years, she still has to pay national insurance even though she is only on half pay. I have spoken to women who in their early 60s have been forced on to the Work programme. They find that demeaning after putting in a lifetime of work and contributions.

Other women have raised other important issues. Moving the pension age means missing out on pensioner benefits—even such things as a bus pass. That is difficult when an older partner has a bus pass and the 1950s-born woman does not and has to wait six years to get one. There is also no uniformity about concessionary bus travel, which is available at 60 in London, but not in other areas. The woman who told me that has to pay £7.50 to travel by bus to hospital. The women forced to wait until 65 or 66 for their state pension do not get free prescriptions either, and I have talked about the many health conditions which make that a key issue. Waiting up to six years for a state pension and other pensioner benefits will also hit carers who give up work to care. Carers UK tells me that women approaching pension age are much more likely to have caring responsibilities than men. One in four women aged 50 to 64 has caring responsibilities, compared with one in six men. A significant number of women with caring responsibilities decide or feel forced to retire early.

[Mr Gregory Campbell (East Londonderry) (DUP)]

The hon. Lady is talking about demographics. Does she agree that females in this age group are increasingly having to look after aged parents in their 80s and 90s, which would not have been the case 30 or 40 years ago?

[Barbara Keeley]

Indeed. As we are living longer, so the number of carers is increasing. A Carers UK survey this year found that nearly a third of the female carers who responded and who were aged 60-plus said that they had retired early to care. The problem for women who fall into that group is compounded because, as Carers UK knows, retiring early in itself has a long-term impact on family finances. Of female carers aged 60-plus who retired early to care, 36% said that they were struggling to make ends meet, and of those struggling 40% were using their own savings to get by. Marian, a campaigner from Women Against State Pension Inequality—or WASPI; it is remarkable how that is abbreviated—contacted me yesterday. She has given up work at the age of 62 to care for her mother and brother, both of whom have dementia. Her only source of income is a small private pension of £2,500. Her husband will have to support her until she is 65. Marian tells me she only found out about her changed state pension age when she looked it up online.