State Pension Age Equalisation

Liz McInnes Excerpts

Wednesday 2nd December 2015 Westminster Hall

[Liz McInnes (Heywood and Middleton) (Lab)]

It is a pleasure, as always, to serve under your chairmanship, Mr Davies.

I do not want to repeat everything that has been said. I am grateful to my hon. Friend the Member for Worsley and Eccles South (Barbara Keeley) for securing this really important debate. I know that my constituents would want me to pass on their thanks to her for ensuring that their problems are discussed here. I also pay tribute to my hon. Friend the Member for Denton and Reddish (Andrew Gwynne), who cannot be with us today, but whose contribution on this issue has been valuable. He was the first to raise the issue in Parliament—he has done so persistently—and he is doing a great job of representing his constituents.

I want to tell the story of one of my constituents. She is one of the many women born in the 1950s who have contacted me to ask for help with the financial dilemma they face with regard to state pension provision. My constituent’s story is typical of many women, and I want to tell Members how she has suffered because of the 1995 and 2011 Acts. She was never informed in 1995 that her state pension age was changing from 60 to 65. From her own reading and from information picked up from various sources, she was led to believe that she would receive her state pension at 62. She was not happy with the two-year deferment of her state pension, but, as she said to me, she was fit and healthy at the time and did not understand the magnitude of the changes. Her view is that we lived in a different world at that time. She says that the welfare state had not been mauled, and the safety nets that were there to assist the poor and the sick have now been removed.

Like a lot of working-class, low-waged people at that time, my constituent was dependent upon her state pension as her main source of income at retirement, although she hoped to be able to save a little bit of money to supplement that. Unfortunately, as time progressed, she began to suffer serious health issues and was forced to give up work. She was born in 1957 and is doubly unhappy that she will now have to wait until she is 66 before she receives her state pension. She has very little in the way of private pension provision. She is forced to live on a minimal income, suffering from ill health, with the prospect of having to wait until 2023—eight more years—before she qualifies for her state pension.

My constituent is just one of many women who have contacted me about women’s pension inequality. It affects so many women born in the 1950s. It has been a common issue raised with me on the doorstep, in my postbag and by email, and no answers seem to be forthcoming. The Government justify the increase in pension age by saying that life expectancy is increasing, yet there is a real north-south divide in life expectancy. It is predicted that by 2030, women living in Kensington and Chelsea will have a life expectancy of 91.2 years, but for women in Manchester, in the north-west, it will be 84.7. Yet no consideration is given to those inequalities in the national imposition of increases in the state pension age.

The women affected deserve to be treated fairly. I call on the Government to consider the unequal treatment of women born in the 1950s and the inadequate notice they were given of the increase in the state pension age, and to revisit the transitional arrangements for those women.