European Union (Withdrawal Agreement) Bill
Debate between Shailesh Vara and Ian BlackfordFriday 20th December 2019
(5 years ago)
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Ian Blackford (Ross, Skye and Lochaber) (SNP)
It is a pleasure to follow the right hon. Member for North Somerset (Dr Fox). As I was listening to him, I could already see coming back the red lines that caused the problem for the previous Prime Minister. We are to do a trade deal by the end of 2020 but, at the same time, we are not to have any degree of alignment with the European Union. When we hear talk of writing into the Bill that there will be no extension, that is a matter of politics. If the Government can legislate for that today, they can equally legislate to remove that burden before the end of 2020. I predict that that may indeed end up being the position, because the harsh reality is that that deadline means that the risk of a no-deal Brexit, which we all fear, is very much back on the table.
Scotland could not have been clearer last week. We did not vote for Brexit, and returning the SNP with a greater mandate shows that Scotland still totally and utterly rejects Brexit. Yet the Prime Minister is blindly hurtling towards the cliff edge with these deeply damaging Brexit plans, which will leave us poorer and worse off. This legislation will hit our economy, cost thousands of jobs in Scotland, sell out our food and drink sector and harm people’s livelihoods. The Scottish National party will not vote for this flawed and deeply damaging legislation.
We reject this toxic Brexit legislation and make it clear that this UK Government cannot drag Scotland out of the European Union before gaining the legislative consent of the Scottish Parliament. My question to the Prime Minister is this: will he accept that the devolved Administrations have the right to withhold their legislative consent? Will he now enter into constructive dialogue with those who seek to defend our rights—our Parliament in Edinburgh and our First Minister? We know the reality is that this Prime Minister will ignore Scotland; he will keep ploughing ahead despite the fact that Scotland voted to remain in the European Union. At last week’s general election, Scotland voted decisively to escape Brexit and to put Scotland’s future in Scotland’s hands. The Prime Minister has no mandate to drag Scotland out of the European Union. It is clearer than ever that the people of Scotland must have their say over their future, rather than the broken Brexit Britain that he wishes to impose on us.
Our economy will be smaller, weaker and poorer as a result of our leaving the European Union. Why? Because of the ideology of the Brexit fanboys—those in the Leave.EU campaign who now run this Government. Despite the Prime Minister’s assertions, Brexit is already having an impact on our economy. Analysis in the “State of the Economy” report by Scotland’s chief economist shows that continuing uncertainty is resulting in a half a billion pound shortfall in business investment in Scotland. That is the price of Brexit. It does not matter whether it is this Brexit or another Brexit—the analysis shows that all forms of Brexit will harm Scotland’s economy and result in lower household incomes.
Mr Shailesh Vara (North West Cambridgeshire) (Con)
The right hon Gentleman will be aware that we were told before the referendum that if the country voted to leave, there would be economic Armageddon—rising unemployment, rising interest rates and so on. None of that actually materialised. Why does he persist in scare- mongering when those things did not materialise? It is about time he had confidence in the United Kingdom and saw that the cup is half full, rather than half empty. Look at the evidence!
Ian Blackford
We have looked at the evidence, and I have just set out the fact that investment is lower in Scotland. When the Brexit vote happened, the pound fell but inflation rose.
Let me give the hon. Member two examples to illustrate the stupidity of those who want to push ahead with this project. We have recently lost 2,000 well-paid jobs from the European Banking Authority and the European Medicines Agency, which used to be centred here in London. The Prime Minister sits in his seat and laughs about the loss of those institutions, and about our loss of influence over new medicines coming to the United Kingdom. That is what Brexit is going to do.
“Scotland’s Place in Europe” provided detailed analysis of Brexit’s macroeconomic implications for the Scottish economy, outlining that membership of the European single market and customs union is the least-worst option for jobs and investment. We sought to compromise with the UK Government on that, but they are now ripping us out of these markets, and risking great instability and economic chaos. Conservative Members are quite prepared to reduce jobs and opportunities simply on the basis of ideology. Membership is vital for trade. In 2017, Scotland exported £14.9 billion of goods to the European Union. Closing down membership of the single market and customs union means closing down opportunities for Scottish businesses.
The Government are looking to lock down opportunities not just for goods, but for people. Approximately 209,000 EU citizens live in Scotland. They bring new skills and expertise, which are absolutely vital to our industries and the local economy. My hon. and learned Friend the Member for Edinburgh South West (Joanna Cherry) mentioned unaccompanied minors, but on the basis of the Prime Minister’s response, it is clear that he has not read his own Bill or the explanatory notes. Let me read what the explanatory notes say:
“Clause 37 amends subsection (1) of section 17 of the EU (Withdrawal) Act 2018 to remove the obligation to seek to negotiate such an agreement and replace it with a requirement to make a statement to Parliament.”
That is the harsh reality. I urge Conservative Members to think very carefully, because they are about to bring up the drawbridge and remove unaccompanied minors’ right to come to the United Kingdom. What a disgrace! That is an indication of who the real separatists and isolationists are, and we should be very afraid of what this Conservative Government seek to do.
The Prime Minister is simply not interested in Scotland’s economy. He has made it clear with his manifesto mantra that this is all about getting Brexit done. Getting the Prime Minister’s Brexit done will leave the United Kingdom £70 billion worse off than if it had remained in the European Union, according to a study by the National Institute of Economic and Social Research. We know that the Tories could not care less about Scotland, because Scotland is being singled out for unfair treatment. We are the only United Kingdom country to be taken out of the European Union against our will, with no say whatsoever over our future. England and Wales voted leave, and England and Wales will leave; Northern Ireland is getting a special deal and the right to decide its own future; but the Prime Minister offers Scotland nothing—hee-haw, diddly-squat. That is what we get from this Government in their so-called precious Union: nothing but disrespect for our Government and our rights.
State Pension Age: Women
Debate between Shailesh Vara and Ian Blackford(8 years ago)
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Mr Shailesh Vara (North West Cambridgeshire) (Con)
If the former Pensions Minister is to be referred to, it would be helpful to put the facts correctly. He said that the difference required was £30 billion. He went to the then Chancellor of the Exchequer and Prime Minister and asked for £3 billion. Then, when he was given a concession of £1.1 billion, he said, “That’s a hell of a lot of money.” So let us be clear: the difference was £30 billion but he only asked for £3 billion, which is a tenth of what the hon. Gentleman is arguing about.
Ian Blackford
We are not talking about concessions; we are talking about these women’s pension entitlement. How dare the Government talk about concessions, when people have paid into their pension and deserve to get it!
This is not a comedy but the reality of a Government letting women down.
Mr Vara
I will not give way, because I want to leave other hon. Members as much time as possible in which to speak.
We must also mention other countries. Nine EU countries, including Germany, Denmark and the Netherlands, introduced equalisation as far back as 2009. I conclude by simply saying one thing: we have had many debates on this issue and the Government have repeatedly made their position clear, which is that they do not intend to revisit this issue. The issue was not in the Labour or the SNP manifesto, and by continuing to debate it, Labour and SNP Members are doing a disservice to the good women affected by giving them false hope. They should understand that doing so is opportunism pure and simple and political irresponsibility of the highest order. They should not give these good women false hope, and they should recognise that the Government will not give way.
Ian Blackford
On a point of order, Mr Deputy Speaker. We are being traduced by the hon. Gentleman. For clarification, this matter was in our manifesto, and perhaps the hon. Gentleman will correct what he has said.
Oral Answers to Questions
Debate between Shailesh Vara and Ian Blackford(8 years, 5 months ago)
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Ian Blackford (Ross, Skye and Lochaber) (SNP)
This is about doing what is right. We are talking about British pensioners living overseas who have paid national insurance. Why not remove that uncertainty? Why not guarantee what they are entitled to? It is all about doing the right thing with a new Prime Minister. Let us get off on the right foot and make sure that happens..
Pensions Uprating (UK Pensioners Living Overseas)
Debate between Shailesh Vara and Ian Blackford(8 years, 7 months ago)
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The Parliamentary Under-Secretary of State for Justice (Mr Shailesh Vara)
I congratulate the hon. Member for Ross, Skye and Lochaber (Ian Blackford), and all those on the Order Paper who support the motion, on securing the debate on this very important subject. For the sake of clarity, I would like to point out a flaw in the motion. It seems to indicate that it is this Government who have introduced the measure, when it states
“will no longer be uprated”
and
“regrets that the Government has taken this action”.
I would simply point out to the hon. Gentleman that this policy has been consistent for 70 years. It is not something that this Government have done.
Ian Blackford
I made it clear in my speech that I recognise that this has been happening since the 1940s. I absolutely acknowledge that. This has happened under all Governments. None the less, we have the opportunity today to respond to it in the correct manner.
Ian Blackford
I am grateful to the Minister for giving way. He is being very generous with his time. Will he not accept that every other OECD country allows their pensioners who live abroad to collect their pension? Why are we standing against this? We are not talking about people getting something they are not entitled to, whether they have moved abroad before they have retired. We are talking about them getting something they are entitled to because they have made national insurance contributions. That is what we are denying them.
Mr Vara
It is important that we do not just look at this from one narrow perspective. The hon. Gentleman says that people have paid national insurance and are therefore entitled to this. As I say, there are other aspects involved. For example, there is the element of individual choice. When people think about going abroad, it is not purely this issue that will determine whether they will live here or abroad.
Over the years, the UK has entered into a number of reciprocal agreements with other countries. Although most provide for payment of upratings, that is not the primary purpose of reciprocal social security agreements. They are intended mainly to provide a measure of co-ordination between social security schemes to protect the social security of workers moving between the two countries during their working lives. They prevent employees, their employers and the self-employed from needing to pay social security contributions to both the home state and the state of employment at the same time to get access to social security benefits. Of course, social security agreements vary to some extent from country to country, depending on the nature and scope of the other country’s social security scheme. It should also be noted that the UK is not alone in applying restrictions on payment of state pensions abroad. In some respects, the UK arrangements are less restrictive than those that apply in other countries.
The crux of the issue is individual choice. Those who have contributed to the UK state pension scheme are free to draw their entitlement from wherever they choose to live. The rules governing the uprating of pensions are straightforward and widely publicised. If a person chooses to live in country A their pension will be uprated, but if the choice is to live in country B their pension will not be uprated. In the final analysis, it is for the individual to weigh the benefits of living in country B, where her or his pension will not be uprated, against the benefits afforded by country A—or, indeed, remaining in the UK.
I am mindful that there are a number of hon. Members in the Chamber who wish to speak in the debate. It is a Backbench Business debate and I am mindful to give Back Benchers the freedom and opportunity to speak for a longer time than those on the Front Benches. So I congratulate again the hon. Member for Ross, Skye and Lochaber, and those who have supported him, on securing the debate. I am very pleased to have been able to set out the Government’s position, which remains unchanged.
Oral Answers to Questions
Debate between Shailesh Vara and Ian Blackford(8 years, 7 months ago)
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Mr Vara
The hon. Gentleman raises a good point about a particularly important sector of our economy, and we will certainly look at anything put forward. I emphasise that the Government are keen to ensure that people, including the self-employed, think about and prepare for a better future in terms of their pension.
Ian Blackford (Ross, Skye and Lochaber) (SNP)
Pension saving has been undermined by the new lifetime ISA, a new gimmick from the Chancellor, which will promote ISA saving from taxed income over pension saving from pre-tax income—in other words, it is a convenient tool to increase tax receipts today. No employee will be better off saving into an ISA than through workplace pension saving. The Association of British Insurers has forecast that someone saving 4% of an income of £25,000 in an ISA would be £53,000 worse off by age 60. Will the Minister tell the Chancellor to stop his gimmicks, stop this nonsense and get back to pension savings? We need no more con tricks from this Government.
Oral Answers to Questions
Debate between Shailesh Vara and Ian Blackford(8 years, 8 months ago)
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Ian Blackford (Ross, Skye and Lochaber) (SNP)
13. This is about women and equalities. We know that a woman born in early 1953 will already have retired; a woman born in early 1954 will not retire until the second half of 2019—two and a half years later. That cannot be right. In a spirit of fairness, will the Minister look at this again and give some solace to the women who have to wait an unbelievably long time to collect what is rightly and fairly theirs?
Mr Vara
We need to accept that equalisation was necessary, first, because it was required by European Union directive and, secondly, because people are living longer. Women on the whole recognise that we need to equalise the state pension ages. We are not doing so as fast as some other countries, such as Germany and Denmark, which have already achieved what we are seeking to do.
Oral Answers to Questions
Debate between Shailesh Vara and Ian Blackford(8 years, 9 months ago)
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Ian Blackford (Ross, Skye and Lochaber) (SNP)
We are not just dealing with the issue of the notice period: there is a fundamental unfairness. Let us take an example: a constituent of mine born in 1953 would have retired at age 63, but a woman born on 10 February 1954 will not retire until July 2019, two and a half years later. That is patently unjust. What the Government can do is to mitigate the timetable so that people have time to react. That is the right thing to do, and the Government should act.
Mr Vara
The hon. Gentleman talks about mitigating things. May I just say to him that transitional arrangements were made at the time? Those transitional arrangements cost £1.1 billion. The period that women would have to work before they retired was reduced from two years to 18 months, and 81% of the women affected by that period of 18 months will not have an extension of beyond 12 months.
Ian Blackford (Ross, Skye and Lochaber) (SNP)
T5. The House will be aware that hundreds of thousands of pensioners live in countries where there is no uprating. Now that we are facing the EU referendum, and given that 400,000 British pensioners live elsewhere in the EU, will the Minister tell us what will happen to either the partial or the full uprating for British pensioners if we leave the EU?
The Parliamentary Under-Secretary of State for Work and Pensions (Mr Shailesh Vara)
I remind the hon. Gentleman that the position of the Government is that we are better off in the EU: the people of Britain will be safer and more secure.
Transitional State Pension Arrangements for Women
Debate between Shailesh Vara and Ian Blackford(8 years, 10 months ago)
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Mr Vara
In only a decade, the time that 65-year-olds live in good health has gone up by just over a year. Of course, this is welcome news, but the reality is that it puts increasing pressure on the state pension scheme. Even when the state pension age changes are taken into account, women in this group will on average receive a higher state pension over their lifetime than any generation before them.
Mr Vara
I will not give way.
The Government have a duty to ensure the sustainability of the state pension scheme, and it would be irresponsible to ignore such developments.
Employment prospects for women have changed dramatically since the state pension age was first set in 1940. The most recent figures show a record female employment rate of 69.1%, with more than 1 million more women in work than in 2010. I am sure that Members welcome figures showing that the number of women aged between 50 and 64 in work is also at a record high, with more than 100,000 older women in work than at this time last year.
Mr Vara
I will not.
Turning to our broader reforms, we have introduced a package of measures to transform the pensions system. The triple lock is massively boosting the state pension, which will be £1,000 higher from April than would have been the case if we had uprated by earnings over the past six years. In addition, we have protected the winter fuel payment and permanently increased cold weather payments. We have created a new, simpler state pension, which will come in from April with a full rate of £155.65 a week. That means that 650,000 women will receive an average increase of £8 a week for the first 10 years. As that will be set above the basic means test for pensioners, people will have a clear platform to save on.
Ian Blackford
On a point of order, Mr Hanson. May I ask for your guidance about what can be done? This is a specific debate about the WASPI campaign, but the points that the Minister is addressing have nothing to do with that debate—
Mr David Hanson (in the Chair)
Order. With due respect to the hon. Gentleman, the content of the Minister’s speech is for the Minister to elucidate and defend accordingly. It is not for the hon. Gentleman to comment on in a point of order.
Oral Answers to Questions
Debate between Shailesh Vara and Ian Blackford(8 years, 10 months ago)
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Mr Vara
I remind the hon. Lady of the record issues we have achieved for female employees. We now have record female employment, at a rate of 69.1%, and there are more than 1 million more women in work since 2010. The number of older women in work is at a record high, with more than 100,000 more than last year. The people to whom the hon. Lady refers are all benefiting from the measures I have mentioned.
Ian Blackford
I hope the Minister will answer my question, given that he ignored the one asked by my colleague. Will he apologise formally for the utter shambles his Department has made of communicating the changes to the acceleration phase, as raised by Women Against State Pension Inequality, and for the inaccurate communication to pensioners regarding national insurance contributions? We learned over the weekend that the Government Gateway website is still showing that the pensionable age for women is 60. How does the Minister expect the House—and, indeed, the public—to have confidence in his Department’s ability, given that it has failed so spectacularly to communicate and to deliver fairness?
Mr Vara
The issue to which the hon. Gentleman refers is isolated and he should regard it as such. The matter has been corrected. It is about time that he took on board all the other arguments that have been raging about this particular issue, rather than a solitary, individual mistake on a website, which has been corrected.
Draft Pensions Act 2014 (Consequential and Supplementary Amendments) Order 2016
Draft State Pension and Occupational Pension Schemes (Miscellaneous Amendments) Regulations 2016
Debate between Shailesh Vara and Ian Blackford(8 years, 10 months ago)
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Mr Vara
I do not think anyone in the Committee would expect me to give precise numbers about how many emails have been sent out by a specific Department. If I may remind the hon. Gentleman, his original question was what are the forms of communication. That is the question I answered. If he now wishes to change the question and say he wants specific numbers, because he is not happy with the answer I gave, I think the Committee will be sympathetic to the response that I cannot give the precise number of emails that have been sent out.
Ian Blackford
This is a massively important point. Anyone who is involved in an occupational pension scheme or any other type of scheme, will be used to getting annual letters telling them exactly what their entitlements are. Given the importance of this, the Government must communicate with all potential pensioners in a fair and reasonable manner. That means that the DWP has a duty to inform such people by letter—that would be the established practice. I cannot for the life of me understand why the Minister is hiding behind data protection. The Government have a duty to make sure that people prepare adequately for their pension. The Government must take that responsibility and communicate effectively.
Mr Vara
There is no one specific form of communication that my Department will be looking at. We recognise the various forms of communication that exist in the modern world and we will seek to use some of those as we feel they will best target the relevant people. I take on board what the hon. Gentleman says, but it is important to recognise that there is no single form of communication that we use. We recognise that in the modern world there are various forms and communicate accordingly.
Ian Blackford
This is a massively important point. We all understand that social media is a wonderful tool—the Minister has referred to what was done in the election campaign and so on—but we are talking about the fundamental right that people have to a pension. People have paid national insurance; they deserve to be told by DWP what they are going to get. That is not a message to be delivered by social media, it is a message that should be delivered by letter. That is the right thing to do, and the Government must do it.
Mr Vara
May I put on record, since we are talking about how my Department ensures that people know about the changes, as well as all the items I have just mentioned, the “Know the Facts” communication campaign focused on building awareness for those aged 55-plus, who will be the first to reach state pension age after the new state pension is introduced? That campaign encouraged people to get a personalised statement. Between September 2014 and October 2015, nearly half a million statements were issued. In the current phase of the campaign we are looking at specific groups who may need more detailed information, including people who have been contracted out, have been self-employed, may have a low number of qualifying years, or may be affected by changes to the rules on deriving an inherited state pension.
A range of products is available to help people understand the impact of the changes. These include factsheets, infographics, videos, calculators and content for PensionTube, a YouTube channel dedicated to pensions. The campaign advertising also encourages people to engage with material online, and there is a range of supporting materials on www.gov.uk. We have in place extensive stakeholder communications with third-party organisations and have held stakeholder forums, produced a toolkit for stakeholders and continue to issue weekly stakeholder bulletins. We do communicate with the relevant people outside, we will continue to do so, and we will continue to make sure that people are appreciative of the message. I commend the regulations and the order to the Committee.
Question put.
State Pension Age (Women)
Debate between Shailesh Vara and Ian Blackford(8 years, 11 months ago)
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Mr Vara
I will not give way. I am mindful of the limited time that I have, and I am keen to ensure that the proposer of the motion, the hon. Member for Paisley and Renfrewshire South, has time to make her concluding comments at the end of the debate.
The introduction of the new state pension will benefit many women who would have lost out under the current two-tier system, largely as a result of lower average earnings and part-time working. All those affected by the 2011 changes will reach pension age after the introduction of the new state pension. Around 650,000 women reaching state pension age in the first 10 years will receive an average of £8 per week more under the new state pension than they would have done under the previous system. The majority of households reaching state pension age up to 2030 will receive a higher total income over retirement under the new system.
The solution to ensuring that people have a comfortable later life is encouraging and enabling them to work longer. This benefits individuals through the social and financial rewards of employment, it benefits employers through the skills and experiences that older workers bring to the workplace, and it benefits the wider economy. Research by the National Institute of Economic and Social Research has shown that adding just one year to people’s working lives would add 1% to UK GDP per year.
Support is in place to provide extra help for people who cannot work owing to caring responsibilities, ill health or disability. Women affected would be eligible for the same in-work, out-of-work or disability benefits as men of their age, and carer’s allowance may be available, for which national insurance credits are awarded automatically. In 2011, credits were introduced to help adult family members looking after a child under 12 in order to assist the parents who were working, with these credits being able to count towards state pension entitlements.
Much has been made of the comments made by the previous Pensions Minister, Steve Webb, and it is important to recognise that even he was not seeking a restoration that would cost £30 billion. Indeed, he said that he was only looking for a 10% clawback. It is also worth remembering that he does recognise that the £1.1 billion concession that was made was generous. His exact words were:
“and we got £1 billion back in the end, and a billion quid is a serious amount of money.”
Mr Vara
I have only a short time left and I must press on.
As for people being aware of the 1995 changes, I should add that research carried out in 2004 by the Department for Work and Pensions found that 73% of people aged 45 to 54 were aware of the changes to women’s state pension age. It is regrettable that people have sought to put this on a political basis and have conveniently forgotten that after 1995 we had 13 years of Labour government. I have here a list of some 10 Labour Pensions Ministers who totally failed to do anything, yet Labour Members conveniently seek to put the blame on the things that have happened post-2010. The shadow Home Secretary made comments earlier, but he was a Labour Cabinet Minister, and the right hon. Member for Kingston upon Hull West and Hessle (Alan Johnson), who also made comments today, was also in the Labour Administration. He is a former Pensions Minister, yet he did nothing then.
Oral Answers to Questions
Debate between Shailesh Vara and Ian Blackford(9 years ago)
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Ian Blackford (Ross, Skye and Lochaber) (SNP)
T8. I was delighted to hear from the Minister about all the work that the Government are doing for pensioners. In the light of the Pensions Minister’s announcement that they have finally conceded and announced a review of how rises in the state pension age should progress, will they now right the wrong that has been done to hundreds of thousands of women in this country? Does he recognise that this issue has to be addressed, as the Women Against State Pension Inequality—WASPI—campaign has said, to ensure that women are not pushed into poverty?
Mr Vara
When the Pensions Act 2011 was passing through Parliament, the Government made a concession worth £1.1 billion that reduced the period concerned from two years to 18 months. For 81% of the women concerned, the period will not be extended, and will be a maximum of 12 months. I am sorry to tell the hon. Gentleman that this Government have no plans to make any further concessions.
State Pension Age Equalisation
Debate between Shailesh Vara and Ian Blackford(9 years ago)
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Mr Vara
I see that two or three Members are rising to their feet. I shall give way to the hon. Member for Ross, Skye and Lochaber (Ian Blackford), but I have only seven or so minutes and I seek to address a number of points already raised. I therefore ask Members to be mindful of the fact that the more questions I take, the less I get to put on the record.
Ian Blackford
I will be brief. I am grateful to the Minister for giving way, but this is about fairness. It is about women having the time to make adjustments and the fact that the period for transitional arrangements is too short. Such changes have never taken place in such a short period in the past. That must be addressed and there must be fairness for women. That can only be done by lengthening the transition period.
Mr Vara
The hon. Gentleman speaks about fairness and transition arrangements, and I will come to that, but I repeat the point that there is a cost to all of this. I am trying to make this apolitical, but given that so much political comment has been made against the Government and the previous coalition Government that my party, the Conservative party, led, I gently remind all colleagues not to forget that between the Pensions Act 1995 and the Pensions Act 2011 there was the small matter of a 13-year Labour Government, which seems to have been conveniently forgotten in everything said about communication, concessions and so on.
Oral Answers to Questions
Debate between Shailesh Vara and Ian Blackford(9 years, 1 month ago)
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Mr Vara
It is important that we get people to recognise they need to think about the future. Some 10 million eligible people will qualify for auto-enrolment, of whom 9 million will be saving more or saving for the first time. I am also happy to say that 3 million to 4 million of them are women.
Ian Blackford (Ross, Skye and Lochaber) (SNP)
We on the SNP Benches are happy to support the Government’s policy of auto-enrolment, as we think it important that people save for the longer-term. Last week, however, Australia announced it would be stepping back from its policy of pensions freedom after many over-70s ran out of cash. Will the Government reconsider giving guidance to pensioners advising them to secure an income in retirement?
Oral Answers to Questions
Debate between Shailesh Vara and Ian Blackford(9 years, 3 months ago)
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Ian Blackford (Ross, Skye and Lochaber) (SNP)
4. What discussions he has had with the Chancellor of the Exchequer on ensuring that people accessing new pensions freedoms receive appropriate advice.
The Parliamentary Under-Secretary of State for Work and Pensions (Mr Shailesh Vara)
Ministers in this Department have met and continue to meet the Chancellor and Treasury Ministers to discuss this and other matters. My Department works closely with the Treasury, as well as with the Financial Conduct Authority, to ensure that the requirement for individuals to take independent financial advice works as intended.
Ian Blackford
Has the Minister read the report from the Strategic Society Centre which points out a link between guaranteed retirement income and wellbeing? I am deeply concerned that we are not offering adequate protection to pensioners, given the choices that they face, and I ask the Government to look again at the question of promoting guaranteed income in retirement and to accept their responsibility to protect pensioners.
Mr Vara
I do not agree with the hon. Gentleman when he says that we are not taking our responsibility seriously. He will be aware that Pension Wise offers free impartial guidance that can be given by telephone, online or in face-to-face meetings, and that the Money Advice Service provides a free directory with more than 2,250 firms registered on it. That equates to more than 6,000 individuals who can give advice. In Scotland, there are 162 firms that can give such advice to people, so there are plenty of people out there, but if the hon. Gentleman knows of individual cases, I would be happy to hear from him.