State Pensions: Canada Free Trade Agreement

Lord Palmer of Childs Hill Excerpts

Wednesday 18th October 2023 Lords Chamber

[Viscount Younger of Leckie (Con)]

I am certainly very aware—this perhaps adds to the Answer I gave to the noble Lord, Lord Thomas—that the Department for Work and Pensions has received requests for a reciprocal social security agreement from Canada in recent years, including 2020, 2021 and, indeed, this very year. The choice of moving to another country—let us say, Canada—is very much a personal choice and it is not for the Government to encourage or discourage pensioners in moving overseas. I am sure they do so for reasons other than necessarily to do with pensions; it could be to do with family or returning to a country of birth. But, I say again, the Government have no plans to change the policy.

[Lord Palmer of Childs Hill (LD)]

My Lords, I hear what the Minister says, but the APPG on frozen pensions said in its report in 2020 that 80% of people retiring to Commonwealth countries—Canada, New Zealand and Australia, together with various Caribbean countries—were unaware that their UK pensions would be frozen. Can the Minister tell us what steps the Government have taken since then to publicise their likely predicament? I inform this House that the Government’s website contains no more than a passing reference to this and, like all passing references, it is in brackets. Can we at least remove the brackets and put it in bold type?

[Viscount Younger of Leckie (Con)]

My Lords, whether there are brackets or not, obviously I will need to go back and check myself what the website says. As I say, people move abroad for many reasons and, before they do so, I am certain that they look at all the pros and cons. It is also their responsibility to take advice and make an informed decision before they move. However, I hope it gives some reassurance that there is information—I hope it is not limited—on GOV.UK as to what the effect of going abroad will be on entitlement to UK state pensions. That is, as I say, just one factor that people will be bearing in mind when making that decision, difficult or otherwise, to move from the UK.