Draft Pensions Dashboards Regulations 2022

Matt Rodda Excerpts

Tuesday 15th November 2022 General Committees

[Matt Rodda (Reading East) (Lab)]

It is a pleasure to serve under your chairship, Mrs Murray. These important regulations potentially affect not only everybody in this room, but everybody in the country, so it is vital that the Government get them right. Labour supports the pensions dashboards policy and today’s statutory instrument, which we hope takes us a stage closer to fruition. However, I have some important questions on both the general principle and some specific points of detail on progress, which the Minister may like to write to me about.

It goes without saying that large IT programmes are subject to a certain amount of risk, and it is important that the Government take that into account. Some of what the Minister said this morning reassures me, but I have some further questions about data quality. I obviously will not go into enormous detail, because such matters are highly technical, but it would greatly reassure pension savers to know a little more about the risk management the Government are undertaking to protect data quality and personal information and to ensure that data is accessible. For example, people often change their name upon marriage or move job multiple times during their working lives, all of which is important to take into account, and the risk of fraud must be minimised. I hope the Minister will be able to elaborate on those points.

In addition, and in support of that previous point, I hope sufficient time will be taken to test the roll-out of this important approach. It involves a large amount of IT, complicated data issues, and the matching up of different databases of information on a large number of people.

I hope the Minister may be able to reassure me on one or two specific points. Is it possible to let pension savers have a better idea of the indexation of pensions? Some defined benefit schemes are fully indexed with inflation, but others partially follow inflation. During this cost of living crisis, it would be of great reassurance to savers to know the future value of their savings. I understand that the Department has so far decided not to include that level of information, so might the Minister be able to look into that and write to me?

I thank you, Mrs Murray, for the opportunity to speak this morning, and I look forward to hearing more from the Minister in due course.

State Pension Triple Lock

Matt Rodda Excerpts

Tuesday 8th November 2022 Commons Chamber

[Matt Rodda (Reading East) (Lab)]

I am pleased to close this important debate for the Opposition. As my right hon. Friend the Member for Leicester South (Jonathan Ashworth) said, it is about a simple and very important question: will the Government honour their manifesto pledge to millions of pensioners—13 million, many of whom have no income other than the state pension? As we have heard, the Government failed to raise the state pension in line with the triple lock last year and, to make matters worse, pensioners face in effect a £900 cut to their income if the triple lock is ignored this year.

The state pension matters enormously and, so far, the Government have failed to give pensioners the reassurance that they deserve. As my right hon. Friend said, this should not be a controversial question; it should simply be something that the whole House can agree with, yet that request for simplicity, clarity and reassurance at a difficult time has been met with a lack of understanding. I hope that the Minister in responding will think again, treat pensioners with more respect and reassure them that the Government will stick with the triple lock. The uncertainty of the last few weeks has put pensioners under terrible stress. That should never have happened. The Government should now reassure pensioners. As food and fuel bills soar, the very least that Ministers can do is give the simple answer that they will keep the triple lock in this difficult situation.

The debate has been an important opportunity for Members from across the House to remind Ministers of their duty to pensioners. Powerful arguments have been made for openness and clarity. We have heard that, at a very difficult time, pensioners and others on fixed incomes are under real pressure. The hon. Member for Kilmarnock and Loudoun (Alan Brown) reminded the House that pensioners face a desperate situation with bills rising and called for clarity. The hon. Member for Torbay (Kevin Foster), who is in his place, stressed his support for the triple lock and the importance of the state pension to many of his constituents. He also called on the Government to do much more to encourage pensioners to claim pension credit.

The Chair of the Select Committee, my right hon. Friend the Member for East Ham (Sir Stephen Timms), made some excellent points, including that the Government, sadly, made a series of serious blunders in September. There has already been a big fall in the value of state pensions and the Government gave an assurance that pensions would be uprated. That was a manifesto commitment. He also gave us historical context, going back as far as the 1970s. Pensions have been uprated over a long period. Further, he went on to make the telling point that there is a social contract between people in work, the Government and pensioners.

Other Members made excellent points. The hon. Member for South West Hertfordshire (Mr Mohindra) called for the triple lock to be retained. My hon. Friend the Member for Liverpool, Wavertree (Paula Barker) made a powerful speech in which she talked about the importance of protecting the most vulnerable and the Government’s duty to do that on behalf of society as a whole.

There was a huge number of other contributions, which I cannot refer to in great detail. However, in summary, my hon. Friend the Member for Birmingham, Erdington (Mrs Hamilton) made an excellent speech, the hon. Member for Rother Valley (Alexander Stafford) spoke, and my hon. Friend the Member for Wakefield (Simon Lightwood) also spoke powerfully. The hon. Members for South Cambridgeshire (Anthony Browne), for Wantage (David Johnston), for Guildford (Angela Richardson), for Broadland (Jerome Mayhew), for North East Fife (Wendy Chamberlain) and for Heywood and Middleton (Chris Clarkson) spoke, as did my hon. Friends the Members for Easington (Grahame Morris), for Stockton North (Alex Cunningham) for Gower (Tonia Antoniazzi) and a number of others.

My hon. Friend the Member for Barnsley East (Stephanie Peacock) made a fascinating and important point about the miners’ pension fund and the need for the Government not to take money out of it. The hon. Member for Gloucester (Richard Graham) spoke, as did my hon. Friend the Member for Newport West (Ruth Jones). The hon. Member for Arfon (Hywel Williams) made an important point about ASW, the issues with the Pension Protection Fund and those pension funds that got into difficulty before the PPF was set up. My hon. Friend the Member for Birmingham, Hall Green (Tahir Ali) made some powerful points as well, as did my hon. Friend the Member for Wirral West (Margaret Greenwood), who pointed out the pressure on pensioners from the cost of living crisis.

My hon. Friend the Member for Blackburn (Kate Hollern) made some powerful points, as did my hon. Friend the Member for Warrington North (Charlotte Nichols), who talked about pensioner poverty rising, affecting half a million people. Finally, my hon. Friend the Member for Enfield North (Feryal Clark) spoke eloquently about the need for security at this time.

Time is pressing. Today’s debate has been full and frank, and I hope Ministers will now respond with the honesty and transparency that pensioners deserve. As my hon. Friends and Members from across the House have said, this is a very important issue. The Government made a manifesto pledge and, last year, Ministers broke that pledge. Pensioners across the country are now facing unprecedented levels of inflation, particularly in food and fuel. Given that, it is vital that Ministers keep the triple lock and that they reassure pensioners of their intentions before the financial statement at the end of this month. Quite simply, pensioners have waited for too long, suffered too much uncertainty and put up with far too much stress for the Government to do anything less.

It is, as hon. Members have mentioned, the first duty of Government to protect the most vulnerable. I hope the Minister will now offer clarity and reassurance for millions of people across the country.

Oral Answers to Questions

Matt Rodda Excerpts

Monday 31st October 2022 Commons Chamber

[Mr Speaker]

I call the shadow Minister.

[Matt Rodda (Reading East) (Lab)]

I welcome the new Minister to her place. The last few weeks have been difficult and, at times, chaotic. The Government have crashed the economy and there has been a revolving door in Downing Street and Government Departments. After all that confusion, will the Minister take the opportunity to reassure the House that the Government are truly committed to the triple lock? Will she apologise to pensioners for the stress and uncertainty that the Government have caused through their repeated attempts to wriggle out of their manifesto commitment?

[Laura Trott]

I do understand the uncertainty, but we must wait for 17 November. However, the average state pension is £185 a week, which is about double what it was in 2010 when we took over.

Child Support Collection (Domestic Abuse) Bill

Matt Rodda Excerpts

Friday 28th October 2022 Commons Chamber

[Matt Rodda (Reading East) (Lab)]

I am pleased to respond on behalf of the Opposition to this important debate. We support this important Bill and see it as a welcome step forward. Domestic abuse has an appalling impact on women and families. As the shadow Home Secretary, my right hon. Friend the Member for Normanton, Pontefract and Castleford (Yvette Cooper), said,

“everyone has the right to live in freedom from fear.”

This Bill will make some welcome changes to the law to protect parents, children and wider families who are the victims of domestic abuse. I pay tribute to the hon. Member for Hastings and Rye (Sally-Ann Hart) for her work on this important Bill and I thank hon. Members from across the House for their support today. I thank all those who have campaigned on this important issue and in particular Refuge, Gingerbread and, in my own area, Berkshire Women’s Aid.

As I mentioned before, we support this important piece of legislation. However, I hope the Government will clarify some important points to reassure survivors and consider doing more to help former partners, children and wider families in a number of ways that are related to the Bill. Turning to points of clarification, I hope the Minister will explain what evidence will be required to allow the Secretary of State to collect child maintenance payments in the way that we heard earlier. We have been told that the evidence will be set out in secondary legislation, and it is important to remember that the effectiveness of the Bill hinges on the evidence requirements in these regulations. It would be helpful if the Minister reassured the House about the nature of the evidence that will be needed.

In addition to providing further clarification, I hope the Government will consider introducing measures that offer further help and support to the survivors of domestic abuse. For example, will the Minister consider reviewing the fees associated with using the collect and pay service? That was a point raised by a number of hon. Members. Carrying out a review would allow the Government to make an informed decision about whether to scrap some of the fees for domestic abuse survivors.

As we have heard, it is still far too easy for perpetrators not to pay child maintenance and withholding it is a common form of post-separation abuse. Could the Minister tell the House when the DWP will publish the findings of the independent review of the Child Maintenance Service’s domestic abuse operational policies and procedures? I remind him, as we heard from a Government Member, that this investigation was due to finish in April and yet, six months later, we have still not heard from the Department. On the CMS’s treatment of survivors of domestic abuse, concerns have been raised that, sadly, there have been times when CMS staff could have offered a better service to survivors. I hope the Minister will be able to update the House on plans to improve staff training.

Finally, an important point raised by social workers who work with domestic abuse survivors is that the cost of living crisis has a far worse impact on victims of domestic abuse and, in some cases, it may even create another significant obstacle to finding help. I encourage the Government to consider taking additional measures to understand how they can help survivors to manage in the cost of living crisis. I hope the Minister has listened to these points and will consider them carefully. If he is not able to respond in full from the Dispatch Box, I ask him to write to me and the shadow victims Minister to update us on the Government’s response to these important issues. Time is pressing, so I will conclude by emphasising that this important Bill could make a significant difference to a group of women and children who have suffered appalling domestic abuse, and I urge the Minister to consider the points I have raised.

[Mr Deputy Speaker (Mr Nigel Evans)]

On his reincarnation, if that is the right word, I call Tom Pursglove.

Pension Credit and Cost of Living Support Grant

Matt Rodda Excerpts

Wednesday 26th October 2022 Westminster Hall

[Matt Rodda (Reading East) (Lab)]

It is a pleasure to serve under your chairmanship, Mr Dowd. I congratulate the hon. Member for Glasgow North East (Anne McLaughlin) on securing the debate, and I thank everybody who has spoken on this important subject.

Families and pensioners across the country face an unprecedented cost of living crisis. They need help and support at this difficult time, and it is important that questions be asked about the nature of the Government response. I turn first to the scale of the cost of living crisis. There is no doubt that we face a crisis, the like of which has not been seen since at least the 1950s. Costs faced by families and pensioners have risen dramatically: the cost of energy is going up, the cost of food is going up, and the overall cost of living is going up.

I want to focus on some specifics, including the recent data on inflation. We learned yesterday that everyday foods have risen by over 10%, which hits pensioners and others on low incomes very hard. For example, the price of a loaf of bread has risen by 37.6%, and the cost of tea has risen by 46%. These are dramatic rises that show the importance of pension credit. The benefit was designed to help pensioners on very modest incomes, and it is an important legacy of Gordon Brown’s leadership, both at the Treasury and as the UK’s Prime Minister, during the last Labour Government. The current Government are failing to encourage sufficient take-up of this important benefit, and we should bear in mind that many of the recipients of pension credit are women, while others are disabled.

As discussed earlier, nearly 1 million pensioners are eligible for this important benefit but go without it at the moment. That is a total of £1.7 billion unclaimed—to put it another way, that is £1,900 for every qualifying household missing out. It is a staggering sum of money that could make a real difference. This is particularly important because pension credit unlocks other benefits, such as free TV licences for the over-75s. Questions to the Department for Work and Pensions have revealed that the Department is spending approximately £1.2 million on increasing the take-up of pension credit, yet it is still failing to achieve a sufficient level of awareness, as we have heard. A Labour Government would treat this issue very seriously. It would be one of the key priorities for the Department, and we would work really hard to encourage take-up.

In the remaining time available to me, I ask the Minister three questions. As we have heard, there is a lot that the Government should be explaining. First, what is the Government’s plan to support pensioners and working families, in both the short and long term? Secondly, how will the Government control inflation and bring down the spiralling cost of living after causing this cost of living crisis? Thirdly, how will Ministers increase the take-up of pension credit for those who urgently need it? I hope the Minister is able to respond to those questions, and to the other points made in the debate. I ask him to commit in writing to responding to me on this issue.

I appreciate that time is pressing and the Minister needs to respond. Let me reiterate the scale of the crisis that we face, and the need for a clear and consistent response. I urge the Government to do a much better job of encouraging take-up of this very important benefit.

[The Parliamentary Under-Secretary of State for Work and Pensions (Alex Burghart)]

It is a real pleasure to serve under your chairmanship, Mr Dowd. I hope that hon. Members will forgive me; I am losing my voice, but I will try to speak as clearly as I can into the microphone. I thank the hon. Member for Glasgow North East (Anne McLaughlin) for securing this important debate on an important subject. I pay tribute to her campaigning work, because helping people to realise the benefits to which they are entitled helps everybody in society. I know she understands that.

My Department will always welcome opportunities to explain what we are already doing to support pensioners. We know the importance of ensuring that people up and down the country are looked after, post retirement. This topic is particularly pertinent given the recent increase in the cost of living. We are taking this challenge incredibly seriously, which is why we have spent more than £37 billion this year on cost of living support, as well as delivering on the energy price guarantee.

This financial year, total expenditure on benefits for pensioners will be well over £134 billion, which represents about 5.4% of GDP. This high investment ensures that the basis of our safety net for pensioners—the full yearly basic state pension—remains strong. It has brought the British state pension in line with that in other OECD countries. The amount that we provide is higher than it is in countries such as Switzerland, Norway and Germany. One of the major successes of this Government, auto-enrolment, has led to over 10.7 million extra employees paying into a workplace pension, so that they can save for a safe and secure future. The issue is particularly pertinent today, because it is the 10th anniversary of auto-enrolment.

[Matt Rodda]

Would the Minister like to pay tribute to the last Labour Government for designing the policy?

[Alex Burghart]

I certainly pay tribute to the last Labour Government, as well as the Pensions Commission, which had cross-party support, and the support of organisations such as the Centre for Social Justice, which I used to work for. Steve Webb, formerly of the Liberal Democrats, also contributed to that work. It was, however, the coalition Government, led by the Conservatives, and my right hon. Friend the Member for Chingford and Woodford Green (Sir Iain Duncan Smith), when he was Secretary of State for Work and Pensions, who made it happen. All that good work has had a demonstrable effect: in 2021, 400,000 fewer pensioners were in absolute poverty than when the Conservatives came to power. That is a remarkable achievement of which we are rightly proud.

To complement the state pension, pension credit—mentioned a number of times in this debate—offers an extra layer of support for people over state pension age and on a low income. Pension credit provides an invaluable top-up to a person’s state pension, ensuring that single pensioners receive a minimum of £182.60 per week and couples receive at least £278.70 per week. Crucially, as other hon. Members have mentioned, pension credit acts as a passport to other help, including for rent, council tax and heating.

A comprehensive benefit package including pension credit is only worth while if claimants access the support. We are aware that, historically, take-up of pension credit has been too low. To increase pension credit awareness, in April we launched a comprehensive paid advertising campaign, including a promotional video fronted by Len Goodman of “Strictly Come Dancing” and my predecessor, my hon. Friend the Member for Hexham (Guy Opperman), who did so much in his five years in the job to improve opportunities for people planning for their pensions and claiming them. That campaign has now been viewed well over a million times. The campaign further focused on encouraging the private sector to help drive up claims and reach those who may be reticent about claiming pension credit.

As the hon. Member for Glasgow North East said, no one should feel ashamed about claiming this money. The reason why we have it is so that people can come forward and take it. We want them to have it. Success for us is 100% of people claiming it. I do not think she was implying that the Government sought to stigmatise people who claim benefits—we absolutely do not. We have created a benefits system that is designed as a safety net to support the most disadvantaged in society, but also to help people who are capable of work to move into work.

Social Security (Special Rules for End of Life) Bill [Lords]

Matt Rodda Excerpts

Committee stage
Thursday 8th September 2022 Commons Chamber

[Victoria Prentis]

That sounds like a very sensible suggestion from the former Minister, and if I am charged with this policy area when departmental briefs are fully worked out, I will ensure that I keep up a close dialogue with the Scottish Government on how the two systems are working, both separately and together.

We will also continue to work with the Department of Health and Social Care to assess the impact of these changes on the end of life care provided by the health and social care system as a whole. If at any time a more comprehensive evaluation of the policy is required, we will, of course, commission one, as we did in 2019. The Government want to do all they can to alleviate the pressures on those nearing the end of their lives, and on their families. Our priority is providing people with financial support quickly and compassionately. We are determined to ensure that people have certainty about when they can expect to receive their state pension and that the state pension system is fair to future generations. I hope that this answer has helped to address some of the questions that the hon. Member for Glasgow North may have had, and I understand that he does not intend to press his amendment.

[Matt Rodda]

May I support and associate myself with the comments made by the Leader of the Opposition about how we are thinking about the royal family at this difficult time?

I have already outlined our support for this Bill and highlighted several areas in which I believe the House seeks further clarification. I thank the Minister for her responses on some of those, and I look forward to further clarification. As we consider the next stage of the Bill, I would like to share a few case studies from people whose lives have been impacted by the rules, so that we can consider this issue more fully. I also wish to thank Marie Curie for highlighting these cases.

The first case is that of Lorraine Cox from Enniskillen in Northern Ireland. When Lorraine was diagnosed with motor neurone disease in 2018, she applied for personal independence payment to help mitigate the impact the disease was having on her daily life. Sadly, to her shock, her claim was declined. Lorraine took her case to judicial review and it became influential in convincing the Department for Work and Pensions to change the law through this Bill. Sadly, Lorraine passed away in July 2022, while the Bill was still awaiting its passage through the Commons. Lorraine spoke to Marie Curie in 2019 about her experiences, and I will share some of her words with you now.

Lorraine said:

“From the moment I started the application process, I felt like I wasn’t being taken seriously. Just because I don’t look ill—I still wear make-up and dress well every day—that doesn’t mean that I’m less entitled. People don’t realise the impact MND can have on your life. It’s the little everyday things that become a struggle.

I’ve completely lost the feeling in my left hand. I can’t make my own bed, my children help me get dressed, I have a cleaner, I can’t cook the way I used to. My balance is off, and I can now feel my foot starting to go too.”

As part of her PIP application, Lorraine had a face-to-face consultation with a disability assessor. It was after this consultation that she was told her application had been declined. She said:

“I felt so angry when I was assessed as not fitting the criteria. It’s very disheartening and I just don’t understand why it has to be so difficult. Work is very important to me as it gives me some independence and allows me to focus on something else. It’s a bit of escapism from my condition.”

--- Later in debate ---

[Matt Rodda]

I thank the Minister for her remarks as well as all the hon. Members who have taken part today, including my hon. Friend the Member for Newport East (Jessica Morden); the former Minister the hon. Member for North Swindon (Justin Tomlinson); the hon. Member for Glasgow North (Patrick Grady); the Chair of the Select Committee and others. I, too, pay tribute to the charities, organisations, trade unions and individuals who have campaigned tirelessly to ensure that these changes are introduced.

As we have already heard, congratulations in particular go to Marie Curie and the MND Association for their Scrap 6 Months campaign. I also pay tribute to all the individuals impacted by this, their families and carers.

This is a short Bill, but it will have a huge impact on many people’s lives at an incredibly stressful time. It is a privilege to play a part in the process of making people’s final months somewhat easier than they might otherwise have been. We chose not to table any amendments to the Bill even though I would have welcomed the opportunity to explore further some of the issues highlighted on Second Reading. It is imperative that we get the Bill on to the statute book as soon as possible so that people can start to benefit from the amended definition of end of life. As things stand, fast-track access to universal credit and ESA is available for those with 12 months to live, while PIP, DLA and attendance allowance are only available for those deemed to have six months to live. That is understandably causing confusion, and everything must be brought into line as quickly as possible.

I shall end by reiterating two very important points. First, will the Minister consider following the Scottish Government in taking a more open-ended approach, rather than insisting that awards made under the special rules can last for only three years? Will she commit to evaluating the relative effectiveness of the two different approaches in the coming months?

Secondly, I return to my point about seeking reassurances about how the Department will ensure that it has the capacity to maintain a truly fast turnaround time for applications made under the special rules. Will it monitor how many people receive their claims before they die? Will it also evaluate how well information is being filtered down to clinicians and others who need it so that they find the process easy to navigate.

Once again, I thank the Minister and colleagues for their thoughtful contributions. The Bill has our full support.

Social Security (Special Rules for End of Life) Bill [Lords]

Matt Rodda Excerpts

2nd reading
Thursday 8th September 2022 Commons Chamber

[Matt Rodda (Reading East) (Lab)]

I welcome the Secretary of State and the Minister of State to their new posts. I thank the Secretary of State for introducing this short but important Bill.

As we have heard, the intention of the Bill is to amend the definition of “end of life” in existing legislation, extending it from six to 12 months. That will have the knock-on effect of changing eligibility for disability living allowance, personal independence payment and attendance allowance so that individuals who are deemed by a clinician to have 12 months or less to live can have fast-tracked access to those benefits. We are, of course, supportive of those changes and have chosen not to table any amendments to the Bill. However, there are a number of points I would like to raise.

First, it is somewhat disappointing that it has taken the Government so long to bring in the changes. The Department first launched an in-depth evaluation of the special rules for terminal illness as long ago as July 2019. The findings showed clear support for extending the definition of end of life to 12 months. We then had to wait until July 2021 for the Government to announce their plans to bring in the change. In April 2022—a further nine months later—the Department amended the eligibility criteria for universal credit and employment and support allowance through regulation changes. Here we are another five months on and the necessary alterations to primary legislation to do the same for personal independence payment, disability living allowance and attendance allowance are only just making their way through the House. It is a difficult but unavoidable fact that while we have been waiting for this to happen, people who could have benefited from the changes have passed away.

My second observation is that we need reassurance from the Department that fast track really means fast track, and I am grateful to the Minister of State for indicating her support for that approach. In her speech on Second Reading in the other place, the Minister, Baroness Stedman-Scott, estimated that the changes brought forward in the Bill could mean that 30,000 to 60,000 more people may benefit from the special rules. She also stated that it currently takes an average of three working days for new claims and four working days for assessments for PIP under the special rules criteria. If those turnaround times are to be maintained, there will clearly need to be a significant increase in staffing capacity in the Department. What reassurances can the Secretary of State give us today that her Department will have the additional capacity needed?

Thirdly, I know that there are concerns among clinicians and others about the accuracy with which it is possible to determine that an individual is entering the final 12 months of their life. The new rules bring the Department’s definition of “end of life” in line with NHS guidance, which is welcome. However, the NHS itself acknowledges that it is,

“not always possible to predict”,

the end of life with complete certainty.

The Motor Neurone Disease Association, which, as we have heard, has done a lot of important work in pushing for this change, makes this case very clearly. Motor neurone disease often progresses very rapidly, with one third of people dying within a year of diagnosis and around half within two years. Yet it is impossible to give an exact prognosis, as the disease is so complex and unpredictable.

Under the current rules, many people living with MND are left to navigate the standard route for claiming benefits, which is entirely inappropriate given their circumstances. Although it is supportive of the changes, the association notes it would have preferred the UK Government to follow the Scottish example and introduce a criterion with no specific time limit, relying instead on the clinical judgement of a registered medical practitioner that the individual has a progressive disease that can reasonably be expected to cause their death.

That leads us to a further point: benefits awarded under the special rules are granted for three years. Where an individual outlives their prognosis and the three years expire, they then have to make a new claim despite, in some cases, being completely paralysed, unable to speak or ventilated. That adds an unnecessary extra burden to individuals and their families and carers at an extremely difficult time.

We also need absolute clarity around how clinicians will be informed of the changes and, most importantly, how the Department will ensure that the relevant information is communicated effectively and in a consistent, sensitive and timely fashion. It is one thing to legislate for these changes, but another to ensure that they are filtering through to those who most need to understand them.

I cannot finish without recognising the incredible toll that caring for someone who is sadly at the end of their life has on family members and friends. Some unpaid carers will have given up their own job and become financially dependent on social security payments. It is imperative that they are supported and prepared for the stopping of benefits when the person they are caring for passes away. It is unacceptable that people who have fulfilled such an important role and—we should be honest here—saved the public valuable money should be left both bereaved and, on occasions, destitute.

That is, of course, particularly the case for parents. It is easy to focus on older adults when considering end of life care, but of course that is also the reality of families with terminally ill children. I echo the calls made so eloquently by Baroness Finlay of Llandaff and Baroness Brinton in the other place for a wider review of the benefits available to families facing that awful situation.

For example, the families of seriously ill babies and small children do not currently have access to the mobility component of disability living allowance. Many of those children require round-the-clock care and use ventilators, monitors, oxygen and other vital equipment. Although DLA is available to all families who incur extra costs as a result of meeting the additional care or mobility needs of a child, only those with children over the age of three can receive the higher rate mobility component. I appreciate that that falls outside the scope of the Bill, but it ties in with the need to ensure that individuals and families are given as much support as possible in these most difficult of circumstances.

I finish by reiterating that we are fully supportive of this Bill. I look forward to hearing the valuable contributions that I know others will be keen to make and to this legislation’s continuing to make its way through this House.

Oral Answers to Questions

Matt Rodda Excerpts

Monday 11th July 2022 Commons Chamber

[Mr Speaker]

I call shadow Minister Matt Rodda.

[Matt Rodda (Reading East) (Lab)]

Following the resignation of the Prime Minister, there is a real risk that the House turns in on itself. I want to draw the Minister’s attention to the serious cost of living crisis facing families and pensioners in this country. Sadly, the Government broke their promise to keep the triple lock on the state pension at the very time that inflation was starting to rise. As a result, pensioners struggling to get by have each lost more than £500 this year. How can the Minister possibly justify letting down pensioners in this way?

[Guy Opperman]

I was the Minister who saw that the Labour party at the time did not object to our taking the actions we did in respect of the triple lock. The hon. Gentleman talks about a loss but, as he knows, the state pension was less than £100 in 2009, before the Government changed in 2010. He also knows that we have now virtually doubled the state pension and that there is in excess of £1,500 extra money going to pensioners this year, by reason of the winter fuel payment, the cost of living support for those who are most vulnerable, the council tax rebate worth £150 and the energy support fund, which arrives on or around 1 October.

Draft Occupational Pension Schemes (Governance and Registration) (Amendment) Regulations 2022

Matt Rodda Excerpts

Monday 4th July 2022 General Committees

[Matt Rodda (Reading East) (Lab)]

It is a pleasure to serve under your chairmanship, Sir Graham. I thank the Minister for outlining the regulations, and I offer my support for and thanks to trustees, and to those who provide advice, for the important work that they do in our pensions system. The official Opposition support the measures—it is important that we collectively support and encourage people to save for their retirement—but I have a modest number of questions about matters on which I would like the Minister to go further.

First, the CMA’s December 2018 investigation, which sparked this process and led to the changes, picked up on what it described as the

“low level of engagement by trustees”.

It noted that a further reason was

“a lack of clear and comparable information to assess value for money”.

Will the Minister set out how he intends to increase engagement? I appreciate that the regulations go some way towards that, but I would like further reassurance from him. Furthermore, can he assure us that he will monitor the situation and make sure that the rules are working as intended? As I said, it is important that we protect the pensions system and encourage saving.

I understand that the recent pandemic has, sadly, had an impact on all Departments, including the Department for Work and Pensions, but there is clearly a growing trend of pensions legislation and pledges by Ministers being delivered later than originally intended. Will the Minister reassure the Committee that he is on top of the situation and is working closely with his Department to ensure that there is no slippage in other, similar measures? I look forward to his response.

--- Later in debate ---

[Guy Opperman]

I thank colleagues for their speeches and support. I will not necessarily respond to any of the hon. Lady’s comments, because she supports the regulations and I entirely accept that the Work and Pensions Committee did look at the matter. We think that we have acted having done all the due consultation required by the Government.

I think it a good thing that the monitoring of compliance is being passed from the CMA to the Pensions Regulator. I meet the TPR regularly—indeed, I met its chair, Sarah Smart, only today. That will bring monitoring much more within the ambit of the DWP. We have an independent regulator for a reason, but it is important that the Government, through a Work and Pensions Minister, hold it to account. That is why I think monitoring will be way better.

I refute the idea of slippage entirely. Everything that the Government do is perfect, as we know, and we are moving forward at a serene pace. I am certain that these things are all going in a perfect way. The serious point is about levels of engagement by trustees, which are not good enough at present. We are doing a huge amount on this, including these regulations and the enhanced chair’s statement, for example. The hon. Gentleman follows my every pronouncement with great glee, so he will be aware that on 1 November, we will do a detailed value-for-money assessment consultation, which will genuinely bring together a host of different obligations on trustees to ensure that they evaluate outcomes for members in a way that, at present, is not done to the degree that I and the Government would like. That is what we are trying to achieve.

There are other bits and bobs. I am sure that the hon. Gentleman engaged in Pension Credit Awareness Day on 15 June, and he will be aware that the pension engagement season starts in September and October. Their aim is to get trustees much more behind engagement with members, but that is a constant struggle.

[Matt Rodda]

Can the Minister offer some additional assurances on the question of small pension funds? The scale of such funds can cause particular difficulties for trustees.

[Guy Opperman]

The hon. Gentleman is aware of all the consultations that we have done, so he will know that following the regulations that we passed previously, smaller pension funds—those of up to £100 million—are now judged on value-for-money outcomes. My strong view is that there should unquestionably be greater consolidation. It is only through size that we can get greater expertise, greater monitoring of performance and greater response to members. That is a work in progress.

We are dramatically reducing the number of pension schemes through more and more consolidation. I encourage trustees to consider it, particularly if they are in any doubt about whether they are getting value for money for their members. We are asking the Pensions Regulator to apply that pressure to trustees to ensure that members ultimately get better outcomes, which is what we all want. That is dependent on trustees performing their job, but that is difficult in small schemes, which is why we are encouraging them to merge, to put it bluntly.

Question put and agreed to.

Oral Answers to Questions

Matt Rodda Excerpts

Monday 6th June 2022 Commons Chamber

[Mr Speaker]

I call the shadow Minister, Matt Rodda.

[Matt Rodda (Reading East) (Lab)]

The cost of living crisis is leaving families and pensioners wondering how on earth they will make ends meet. Inflation is running at 11% for everyday goods, and petrol is now nearly £2 a litre, yet the Government’s response has favoured the wealthier while failing those in greatest need. Will the Minister explain why second home owners were offered extra help while at the very same time the Government have yet to drive up the take-up of pension credit? Will he also now publish the advice he received from his own civil servants that warned of the effect of this deeply unfair policy?

[Guy Opperman]

I do not believe that £37 billion of support should be sneered at. The Chancellor set out £22 billion of support in the spring and a further £15 billion of support last month; that includes £650 on top of the pension credit from July, and the winter fuel payment of £300 going to 8.2 million households. I strongly believe that shows that the Government are taking serious action to support the most vulnerable.