Susan Murray

The Consumer Rights Act 2015 sets out the standards consumers can expect when a trader supplies goods and services, including building work, and remedies if these rights are breached. Consumers can seek redress through local authority trading standards or the Small Claims Court.

Ensuring that we have a high-quality and professional construction industry is the best way to protect commercial clients. The Building Safety Act 2022 has introduced competence requirements for both individuals and businesses working in the built environment.

The Turing Scheme is the UK government’s global programme to provide grants for students to do study and work placements anywhere in the world, including in the EU. Students can develop new skills, gain international experience and boost their employability. Since its introduction following the UK’s departure from the Erasmus+ programme, the Turing Scheme has provided funding to support more than 160,000 international placements. In addition to travel and living costs, for students from disadvantaged backgrounds the Turing Scheme covers items that students may need to be able to travel, including vaccinations, visa applications, passports and insurance costs.

For the 2024/25 academic year, over £105 million has been allocated to send more than 43,000 students from across the UK on study and work placements around the world.

This government is committed to ending the VAT exemption that private schools enjoy. HM Treasury will deliver the tax changes and is engaging with a range of stakeholders as it carefully considers the impact of this policy.

The UK has a robust and flexible regime for protecting defined benefit (DB) pensions.

Sponsoring employers are ultimately responsible for meeting the promised pensions and DB pension schemes are subject to the statutory funding objective which requires them to have sufficient and appropriate assets to provide for their pension liabilities. Schemes must be valued, at least every three years, and where there is a funding deficit a recovery plan must be put in place, and the deficit filled as soon as the sponsor can reasonably afford.

The Pensions Regulator has a range of enforcement powers and can intervene to protect member benefits when needed.

Where an employer becomes insolvent, and the scheme winds up underfunded, benefits are underpinned by the Pension Protection Fund (PPF) which can provide compensation at 100% of scheme benefits for pensioner members and 90% of scheme benefits for deferred members.

Analysis carried out by the Pensions Regulator estimates that, as of 31 March 2023, 23 per cent of private-sector occupational Defined Benefit (DB) pension schemes have no indexation applied to pre-1997 benefits. However, this is in addition to any Guaranteed Minimum Pension rights accrued between 1988 and 1997, which must be indexed by the scheme.

This information is published and available at: Data requests | The Pensions Regulator

It is for sponsoring employers to decide on what pension benefits they offer, provided they meet minimum standards. Scheme rules set out how the scheme should be run. It would not be appropriate for the Government to interfere in decisions made by individual schemes, beyond setting clear, affordable minimum standards that apply to all.

Pensions legislation does not usually apply new provisions retrospectively to rights that have already been accrued. It is generally seen to be unreasonable to add liabilities to pension schemes that could not have been taken into account in the funding assumptions that determined the contributions to be paid at the time. In some cases, the additional unplanned liabilities could result in significant additional contributions for the sponsoring employers, and ultimately threaten the future viability of some schemes.

It is extremely important to achieve a balance between providing members with some measure of protection against inflation and not increasing schemes’ costs beyond a level that schemes and employers can generally afford.

Analysis by the Pensions Regulator estimates that, as of 31 March 2023, more than three quarters of schemes provide indexation on scheme benefits accrued before 6 April 1997. This is in addition to any Guaranteed Minimum Pension rights accrued between 1988 and 1997, which must be indexed by the scheme. These schemes represent over 80 per cent of the membership of private-sector occupational Defined Benefit (DB) pension schemes. This information is published and available at: Data requests | The Pensions Regulator

The Department does not hold any data on the financial status of the members of these schemes.

Analysis by the Pensions Regulator estimates that, as of 31 March 2023, more than three quarters of schemes provide indexation on scheme benefits accrued before 6 April 1997. This is in addition to any Guaranteed Minimum Pension rights accrued between 1988 and 1997, which must be indexed by the scheme. These schemes represent over 80 per cent of the membership of private-sector occupational Defined Benefit (DB) pension schemes. This information is published and available at: Data requests | The Pensions Regulator

The Department does not hold any data on the financial status of the members of these schemes.

The delivery of palliative and end of life care services is a devolved matter.

We have taken necessary decisions to fix the foundations in the public finances at the Autumn Budget, which enabled the Spending Review settlement of a £22.6 billion increase in resource spending for the Department from 2023/24 outturn to 2025/26. The employer National Insurance contributions rise will be implemented in April 2025.

In England, palliative care services are included in the list of services an integrated care board (ICB) must commission. This promotes a more consistent national approach and supports commissioners in prioritising palliative and end of life care. To support ICBs in this duty, NHS England has published statutory guidance and service specifications.

The delivery of palliative and end of life care services is a devolved matter.

We have taken necessary decisions to fix the foundations in the public finances at the Autumn Budget, which enabled the Spending Review settlement of a £22.6 billion increase in resource spending for the Department from 2023/24 outturn to 2025/26. The employer National Insurance contributions rise will be implemented in April 2025.

In England, palliative care services are included in the list of services an integrated care board (ICB) must commission. This promotes a more consistent national approach and supports commissioners in prioritising palliative and end of life care. To support ICBs in this duty, NHS England has published statutory guidance and service specifications.

The Department has been working hard with industry to help resolve the shortages of radioisotopes, which are affecting the United Kingdom and other countries around the world. The affected radioisotopes are mainly used for diagnosing cancers, including prostate and breast cancer, and are also used for the imaging of organ function in scans, including for the heart. Supply of the affected molybdenum-technetium generators has improved significantly during week of 11 November.

The Department has worked in close partnership with National Health Service specialists from across the UK, suppliers, the British Nuclear Medicine Society, the UK Radiopharmacy Group, and the devolved administrations, including Scotland, to ensure that critical patients are prioritised, and that the limited supply is shared equitably between hospitals and trusts across the UK.

The Department issued a National Patient Safety alert which provided comprehensive management advice for NHS clinicians across the UK on how to manage and prioritise patients affected by these shortages. The guidance covers actions for health boards in the devolved nations, including on the coordination of mutual aid arrangements and escalation routes where issues are identified.

We have taken necessary decisions to fix the foundations in the public finances at the Autumn Budget, which has enabled the Spending Review settlement of a £22.6 billion increase in resource spending for the Department from 2023/24 outturn to 2025/26. The employer National Insurance rise will be implemented April 2025, and the Department will set out further details on the allocation of funding for next year in due course.

Primary care providers, including general practice (GP), dentistry, pharmacy, and eye care, are valued independent contractors who provide nearly £20 billion worth of National Health Services. Every year we consult with each sector both about what services they provide, and the money providers are entitled to in return under their contract. As in previous years, this issue will be dealt with as part of that process.

We will shortly begin discussions on the annual GP Contract and on the funding arrangements for community pharmacy in 2025/26. I am unable to say more until these have been concluded.

Whilst stock of a small number of medicines is held by the Government, for example as a result of COVID-19 preparedness, stockpiling essential medicines centrally is not a tool that the Department uses to limit the effects of production shortages. While we can’t always prevent supply issues from occurring, we have a range of well-established processes and tools to manage them when they do arise, to mitigate risks to patients. These include close and regular engagement with suppliers, use of alternative strengths or forms of a medicine to allow patients to remain on the same product, expediting regulatory procedures, sourcing unlicensed imports from abroad, adding products to the restricted exports and hoarding list, use of Serious Shortage Protocols, and issuing National Health Service communications to provide management advice and information on the issue to healthcare professionals, including pharmacists, so they can advise and support their patients.