People with Disabilities: Access to Services

Lord Holmes of Richmond Excerpts

Thursday 16th May 2024 Lords Chamber

[Lord Holmes of Richmond (Con)]

My Lords, I congratulate the noble Baroness, Lady Hughes, on securing such an important debate. I agree with all previous speakers that we need much longer to discuss these issues, in more detail and more often, both in your Lordships’ House and in the other place. If my noble friend the Minister was unaware of the lived experience of disabled people in the UK today at the beginning of this debate, he will not be now, so I will cut to the chase on employment and education.

If you are a disabled person in the UK, you are far less likely to have a good experience in education, to gain employment, to keep that employment if gained and, if kept, to receive a comparable level of pay to your non-disabled colleagues. Can my noble friend say what the current education gap is for disabled people at key stage 2, GCSE and A-level? What is the current employment gap for disabled people? What is the current disability pay gap? This thread runs through all elements of a disabled person’s lived experience, writ large through employment and education. If there is not that opportunity, as there is for every single person in society, to get it right the first time in education, life is made so avoidably difficult from that point onwards.

When will the EHCP system become equitable, accessible and resolvable in reasonable time and not just a matter of lottery or ability to pay for professionals to help you through a process that should be open to all those who need it?

We have heard about the difficulties with employment and education, but what about if you are not even able to get to your job, or if you are so stressed and done in by the journey to get to work that it feels like you have done your day’s work before you have even arrived? We come to the question of transport, and the lived experience of disabled people of what passes for public transport in the UK today.

Will my noble friend the Minister commit from the Dispatch Box today—why not?—to having a moratorium on floating bus stops? For noble Lords who may be unaware, these are bus stops that are essentially stuck in the middle of the road, with a cycle lane between the bus stop and the pavement. How can a disabled person—any person—effectively, efficiently and, crucially, safely access the bus? It is a planning folly: a planning disaster. Can we commit today that buses can only pick up and drop off from the kerbside? This needs to be urgently resolved.

I turn to taxis, another critical part of our public transport infrastructure, though seldom treated by the department in policy terms as that critical part of public transport, not least for disabled people. This very morning, the planning committee in the City of London is deciding whether to recommend that Bank junction should be reopened to black cabs. Its proposal is that the ban on black cabs at Bank junction continues. Why? There is no safety reason; black cabs have never been involved in a collision at Bank junction. It is planning folly and not evidence-based. Will my noble friend write to the City Corporation, reminding it of its equality duties, not least under the public sector equality duty, and urge it to reconsider reopening Bank to black cabs—yes, on a trial basis, to assess how it will go? The Court of Common Council will decide this on 20 June, and it is in everybody’s interests, not least those of disabled people, that we have black cabs being allowed to go back through Bank junction, because the message it sends right across the country is that cabs matter as a part of public transport. Ditto for Tottenham Court Road; if my noble friend could write to Camden council, that would be appreciated as well, while he has his pen out—or indeed his laptop, or whatever means of communication he chooses.

We do not have public transport in this country; we have transport that is accessible to certain sections of the public—partial public transport, if you will. For disabled people, be it buses, rail or indeed the absolute nonsense of so-called “shared space”, transport is at best patchy. I ask my noble friend the Minister: when will it be in this country that disabled people can experience accessible transport—whichever mode, at whatever time and whenever they choose, like everybody else, to turn up and seek to use it? Can my noble friend report on the so-called “shared space” experiments; we have managed to achieve a moratorium on future shared space, but how are the existing schemes going? They effectively plan out disabled people from their local communities.

Floating bus stops, taxis and shared space—all are problematic for disabled people, and all are resolvable. Then there is education, particularly the potential for personalised education. On employment, it is entirely resolvable to have similar rates of educational attainment and employment for disabled people. These issues are all entirely resolvable if we just start from the key principle: inclusive by design, accessible by all. I ask my noble friend the Minister: when will all government policies be able to pass those tests—inclusive by design, accessible by all? Fundamentally, all we are talking about here is talent: all of that phenomenal talent in all disabled people, up and down and across the UK. We still suffer from this tragic truth—talent is everywhere; opportunity, currently, is not.

Pensions Dashboards (Prohibition of Indemnification) Bill

Lord Holmes of Richmond Excerpts

2nd reading
Friday 3rd March 2023 Lords Chamber

[Lord Holmes of Richmond (Con)]

My Lords, it is a pleasure to take part in this Second Reading debate and, in doing so, I declare my financial services interests as set out in the register. I congratulate Mary Robinson on securing this Private Member’s Bill: it is the model of what a Private Member’s Bill should do. My noble friend Lord Young said in his excellent introduction that it was specific and effective—and it is certainly that. Again, congratulations to Mary Robinson, my noble friend Lord Young and everybody who has helped in the preparation of the Bill to get it to this stage.

Pensions have somewhat lost their sheen since perhaps the 1970s, when my noble friend Lord Young spoke about them, yet, when you look at what is behind a pension, it still makes sense today. It is still a positive proposition to have something separate from the employer, protected by a trust structure, to set you up for your retirement. But, since the development of pensions, in relatively recent history, Equitable, Maxwell, Brown and other issues have taken the sheen off that pensions promise—but they should not. Perhaps there is a need for a great big branding exercise to be done.

Auto-enrolment has certainly played its part: perhaps we should all consider how best to rebrand what is fundamentally a very positive proposition for people to connect and commit to as early as possible in their working lives to ensure that security when they reach the age of retirement, be that 65, 66, 67, 68—or whenever that may come to all of us. To my noble friends the Minister and Lord Young, I say: should we not consider effective means to increase our efforts to promote the whole proposition of pensions as a positive means, which is potentially in need of rethinking but essentially a very good thing to have as part of our society and economy?

Moving to the issue at hand of dashboards, the simple and effective measure in the Bill is just that. Will my noble friend Lord Young or the Minister confirm that it simply brings into line the proposition which runs through all pensions legislation when it comes to the behaviour of trustees in such situations, so it is a clear and obvious reset of what the 2021 Act did not include? The great possibilities of pensions dashboards are in what we are able to do with data. If we have clear and coherent data and people are able to have it in real time on their devices, that can only be a positive thing, if the right levels of education, communication and understanding can also be put into that mix.

As my noble friend Lady Altmann asked: what is being done to ensure that that data is robust, reliable, consistent and the complete picture? It is true in this instance, but also across all that we may be able to do in fintech with the new technologies we have available to us, that it is only as good as the quality of the data that underpins it, and dashboards are the obvious, clear example in front of us today. That data point is critical to consider at every point to ensure that, when an individual looks at their dashboard, they can know that that is the real-time, accurate representation of what they hold across all their pension pots.

Finally, on the question of digital ID, again it is pertinent in this instance, as it is to everything we seek to do in a digital economy for the UK. None of this will work effectively unless we get to grips with digital ID. So is the Minister satisfied with the progress we are making on digital ID for the UK? Where are we currently and where will the responsibility for digital ID rest, with the changing departmental structure across Whitehall? Can he urge ministerial colleagues to further increase the pace in this digital ID work, because it is critical to so much of what we are trying to achieve? It must be secure, it must be reliable, it must cover all the issues around privacy, and we still have quite a journey to cover on that issue.

To conclude, again I offer congratulations to my noble friend Lord Young and Mary Robinson. This is a specific, clear and effective Private Member’s Bill. I wish it swift, safe speed into statute.

Pension Schemes Bill [HL]

Lord Holmes of Richmond Excerpts

Report stage & Report stage (Hansard) & Report stage (Hansard): House of Lords
Tuesday 30th June 2020 Lords Chamber

[Lord Naseby (Con)]

My Lords, it is entirely appropriate that I should first declare my interest. I am a trustee of the Parliamentary Contributory Pension Fund; I have been one for the best part of 20 years. I am also 83, and all I can say in reflection is that I was formerly the chairman of three financial companies, and I have been a pension trustee on two schemes prior to the one—the only remaining one—that I am on now. It is not my intention to comment too much on the Bill; rather, I see my role in the interests of the membership—I am a member and there certainly will be others in Parliament who are members—to keep a watching brief and, if appropriate, to make some comments to my noble friend on the Front Bench. I should also say to her that I was the Chairman of Ways and Means in another place and I too was not in favour of the negative procedure for really serious things. She has taken a very wise decision on Amendment 1; I am sure that it is the right one and should be applauded on all sides.

I will listen to my noble friend’s answer on Amendment 2 because, if it is right in the round, there would need to be a specific reason for its not being appropriate in leaving out subsection (8). Amendment 33 is in this group and has been commented on. I have given my age and I think that my gender is obvious, as is my ethnicity. It is appropriate that every set of trustees should have a range of people as regards age, experience, gender and so on, but in my judgment the key issue is commitment. We are very lucky on the Parliamentary Contributory Pension Fund because the members, almost to a man and a woman, turn up regularly to meetings, ask good questions and are good advisers, so that, at the last point, as a fund we were very much in positive territory. As I say, I am not going to make too many comments, so without further ado I once again congratulate my noble friend on the Front Bench.

[Lord Holmes of Richmond (Non-Afl) [V]]

My Lords, I congratulate my noble friend on the Front Bench on the clarity with which she has introduced this Report, and I thank her and the Bill team for the time, effort, care and consideration they have taken with Members, which is best illustrated by the number of government amendments which have rightly been brought forward at this stage in our proceedings. She has clearly demonstrated what can be achieved collaboratively in the legislative process when it is approached with such openness. She and her team absolutely epitomise a truth that everyone should constantly remind themselves of: two ears, one mouth.

The pensions proposition is one of the greatest creations of civilisation, but just in my lifetime—without giving away my age, I am only slightly younger than my noble friend Lord Naseby—we can see that the proposition has changed, not so as to be unrecognisable but significantly. It started out with a commitment by employers to have defined benefits where they would take the risk. The fund was rightly separated from the employer under the governance model of a trust. That clear separation of powers was eminently sensible because something as significant as someone’s retirement nest egg should be separated from the corporate entity so that if, God forbid, anything should happen to the corporate entity, the pension fund would remain. What has occurred in recent years is an extraordinary shift of that risk, if not a wholesale one, from the employer to the employee, hence the explosion of defined contribution schemes. In reality, neither position is where an individual, a group or even a society would wish to be, given that so much of the risk falls on to one or other of the parties. That is why CDCs have a lot to recommend them, not just in the combining of resources and the pooling of risks, which is a great advantage, but in the positive implications that the initials “CDC” have in other areas of our lives. Let us consider the Commonwealth Development Corporation and the United States Centers for Disease Control and Prevention. We should take something from the positivity of the acronym because it has a lot to recommend it.

This would certainly not be necessary had we not seen some of the changes, not least to how schemes were funded and how the funds were treated, particularly from the taxation point of view. That was one of the biggest nails in the coffin of defined benefit schemes. However, that is water long under the bridge. CDC schemes will become increasingly significant to pension provision as we go forward. They are a positive contribution to this area and I wish this Bill a speedy passage through your Lordships’ House, and its equally speedy consideration and passage through the other place.

[Lord Foulkes of Cumnock (Lab Co-op) [V]]

My Lords, I, too, thank the Minister for her introduction and for returning to her usual helpful mode on this occasion, unlike during questions the other day. I hope that it does not do her any harm with her Whips, but we are very grateful to her.

I want to speak in support of Amendment 33, which has not yet been moved, although I hope that we will hear later from the noble Baroness, Lady Bennett of Manor Castle. I nearly said “Barnard Castle” but that is a more notorious place.

Diversity, whether based on ethnicity, gender, sexual orientation, age, socioeconomic background or disability, continues to be a key issue facing our society today. Indeed, diversity is still lacking across many FTSE companies in key sectors such as engineering, science, technology and banking, not to mention in this House and the other place.

In the pensions sector, many pension fund trustees and the top levels of executive teams also lack diversity. Some progress has been made. Nevertheless, data from the Pensions and Lifetime Savings Association indicates that, overwhelmingly, private sector pension fund trustees are male. The Pensions Regulator also found that about half of the chairs and a third of the trustees are over 60 years old. With no disrespect to my noble friend Lord Naseby—whom I must be nice to as he is doing a good job on the board of the Parliamentary Contributory Pension Fund, in which I must declare an interest—I think that this is a bit of an imbalance.

Of course I am concerned. In other areas, older people are discriminated against on grounds of age, but in this instance it is younger people who are underrepresented on boards, which make decisions of importance to them as well. With the introduction of auto-enrolment, which has brought about more and more young savers, as well as a greater focus on those in society who are “under-pensioned”, such as women and ethnic minorities, it is important that trustees managing the increasingly diverse pension profile also become increasingly diverse to reflect these savers. Requiring pension schemes to provide information on the diversity of the boards helps to provide some form of greater transparency and opportunities for the better governance of pension schemes.

To add to that, I believe that, although reporting on diversity is important, it may be of equal, if not greater, importance for schemes to be required to provide plans on how they hope to achieve better diversity on their boards of trustees. I hope that the Minister will continue in the helpful manner with which she started and that she will give the House, and me, some encouragement in this direction in her reply.