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1006972

registered interest
date	14/11/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Pensions: Advisory Services
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, how many people have had (a) a telephone appointment, (b) a face to face appointment and (c) completed a digital journey with the Pension Wise guidance service in the 12 month period ending October 2018.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	191266
answer	answer is ministerial correction date of answer 20/11/2018 answer text <p>In the 12 month period ending 31 October 2018, there were (a) 32,440 telephone appointments, (b) 78,961 face to face appointments and (c) 44,969 digital journey completions.</p> answering member constituency Hexham answering member printed Guy Opperman question first answered 20/11/2018 14:18:54 answering member 4142 label Biography information for Guy Opperman previous answer version 85865 answering member constituency Hexham answering member printed Guy Opperman answering member 4142 label Biography information for Guy Opperman
tabling member	298 label Biography information for Steve McCabe

1006974

registered interest
date	14/11/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Pensions: Advisory Services
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what plans she has to encourage uptake of the Pension Wise guidance service.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	191267
answer	answer is ministerial correction date of answer 20/11/2018 answer text <p>Take up of the Pension Wise guidance service is growing with more and more people having appointments. Between 2015/16 and 2017/18, take up of appointments more than doubled and continues to increase.</p><p> </p><p>Pension schemes and providers are required to signpost people to Pension Wise at key contact points. Pension providers are consistently cited by around half of the people who contact Pension Wise as the place they first heard of the service. The FCA have consulted on changes to these requirements with a view to increasing the take up of Pension Wise guidance.</p><p> </p><p>The Pension Wise marketing strategy across TV, Radio, web, Press and Video on Demand, as well as search engine optimisation, aims to get maximum reach amongst the target audience. This has proven to an effective way of both raising awareness of the service and driving take-up of appointments.</p><p> </p><p>Pension Wise is also working with employers nationally and locally to engage with their employees at their place of work. Pension Wise delivery partners also undertake local promotional activities, raising awareness of the service at local events.</p><p> </p><p>The Financial Guidance and Claims Act 2018 establishes a new Single Financial Guidance Body which will bring together the services currently provided by the Money Advice Service, The Pensions Advisory Service and Pension Wise. The new body will make it easier for people to access information and guidance to help them make effective financial decisions. This Act also set a framework for implementing a stronger final nudge towards Pension Wise at the point people seek to access their pension and we are engaging with providers to find the most effective approach.</p> answering member constituency Hexham answering member printed Guy Opperman question first answered 20/11/2018 14:56:11 answering member 4142 label Biography information for Guy Opperman
tabling member	298 label Biography information for Steve McCabe

1006977

registered interest
date	14/11/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Pensions: Advisory Services
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, with reference to the Pension Wise guidance service, what information her Department holds on the (a) demographic characteristics of and (b) actions and decisions taken as a result of that guidance being sought by people who have completed a (i) telephone appointment, (ii) face-to-face appointment and (iii) digital journey with that service in the 12 month period ending October 2018.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	191268
answer	answer is ministerial correction date of answer 20/11/2018 answer text <p>Information on demographic characteristics of Pension Wise Customers and actions and decisions taken as a result of the guidance are published in the Pension Wise Service Evaluation. The latest published report covers 2016/17 and can be found here:</p><p> </p><p><a href="https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/653621/pension-wise-service-evaluation-full-year-findings.pdf" target="_blank">https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/653621/pension-wise-service-evaluation-full-year-findings.pdf</a></p><p> </p><p>The demographic profiles of telephone and face-to-face customers are given and compared in Section 2: Customer profiles (pages 4-9). The steps and decisions taken by Pension Wise appointment customers are covered in Section 7: Steps taken and Section 8: Making a decision (pages 32-42).</p><p> </p><p>The Pension Wise Service Evaluation report for 2017/18 is forthcoming and will be similarly available on GOV.UK once published. The sampling for the annual Service Evaluation surveys is based around appointments delivered in the autumn of each year. As there are few seasonal differences in customer profiles, we would expect the data in the successive reports to reflect the profiles, experiences and outcomes of customers across the financial year that they relate to.</p><p> </p><p>The Service Evaluation for 2018/19, is currently in the field and publication of the report is expected to be in Autumn 2019.</p><p> </p><p>Customers completing the digital journey are not covered by the published research findings or the forthcoming report. We are looking to include this channel in the 2018/19 Pension Wise Service Evaluation survey sampling and reporting.</p> answering member constituency Hexham answering member printed Guy Opperman question first answered 20/11/2018 14:57:39 answering member 4142 label Biography information for Guy Opperman previous answer version 85872 answering member constituency Hexham answering member printed Guy Opperman answering member 4142 label Biography information for Guy Opperman
tabling member	298 label Biography information for Steve McCabe

1007156

registered interest
date	14/11/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Pensioners: Social Security Benefits
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, how many people of pensionable age in Wansbeck Constituency are in receipt of (a) attendance allowance, (b) disability living allowance or personal independence payment and (c) pension credits.
tabling member constituency	Wansbeck
tabling member printed	Ian Lavery
uin	191419
answer	answer is ministerial correction date of answer 20/11/2018 answer text <p>The information requested on the number of individuals of pensionable age in receipt of either Attendance Allowance (AA), Disability Living Allowance (DLA) or Personal Independence Payment (PIP), or Pension Credit (PC) in Wansbeck Constituency is published and available at:</p><p> </p><p><a href="https://stat-xplore.dwp.gov.uk" target="_blank">https://stat-xplore.dwp.gov.uk</a></p><p> </p><p>Guidance for users is available at:</p><p> </p><p><a href="https://sw.stat-xplore.dwp.gov.uk/webapi/online-help/Getting-Started.html" target="_blank">https://sw.stat-xplore.dwp.gov.uk/webapi/online-help/Getting-Started.html</a></p><p> </p> answering member constituency Hexham answering member printed Guy Opperman question first answered 20/11/2018 14:38:19 answering member 4142 label Biography information for Guy Opperman
tabling member	4139 label Biography information for Ian Lavery

1005811

registered interest
date	12/11/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	State Retirement Pensions: Females
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, how many letters were sent notifying recipients of the change in the state pension age for women since 2010.
tabling member constituency	Cardiff West
tabling member printed	Kevin Brennan
uin	190377
answer	answer is ministerial correction date of answer 20/11/2018 answer text <p>People can access the online ‘Check your State Pension’ service through GOV.UK to get a forecast of their State Pension. This includes information about their retirement date, how they may be able to improve the amount of State Pension they are entitled to, as well as providing a view of their National Insurance contribution record. Check Your State Pension service has provided more than ten million online estimates since its introduction in 2016.</p><p><strong> </strong></p><p>The following tables show the number of letters sent out to those people born between 6 April 1950 and 5 April 1960, affected by State Pension age increase in the 1995 and 2011 Pensions Acts. Letter volumes since 2010 can clearly be identified.</p><p>The volumes recorded in the second table have been rounded to the nearest 1000 and include mailings undertaken as part of a communications research project, and those sent to men who were also affected by the 2011 Act. It is not possible to provide the volumes sent to women only in relation to the 2011 Act, as we do not hold the information split by gender.</p><p> </p><p>Communication to those affected by the 1995 Act</p><p> </p><table><tbody><tr><td><p>Customer’s date of birth</p></td><td><p>Mailing Date</p></td><td><p>Number of letters sent</p></td></tr><tr><td><p>06/04/50 -05/07/50</p></td><td><p>April 2009</p></td><td><p>99,985</p></td></tr><tr><td><p>06/07/50 - 05/10/50</p></td><td><p>Jul 2009</p></td><td><p>96,356</p></td></tr><tr><td><p>06/10/50 - 05/04/51</p></td><td><p>Oct 2009</p></td><td><p>191,465</p></td></tr><tr><td><p>06/04/51- 05/10/51</p></td><td><p>Jan 2010</p></td><td><p>196,189</p></td></tr><tr><td><p>06/10/51 – 05/04/52</p></td><td><p>Apr 2010</p></td><td><p>188,515</p></td></tr><tr><td><p>06/04/52 – 05/10/52</p></td><td><p>Feb 2011</p></td><td><p>196,594</p></td></tr><tr><td><p>06/10/52 – 05/04/53</p></td><td><p>Mar 2011</p></td><td><p>191,665</p></td></tr></tbody></table><p> </p><p>Communication to those affected by the 2011 Act</p><p> </p><table><tbody><tr><td><p>Customer’s date of birth</p></td><td><p>Mailing Date</p></td><td><p>Number of letters sent</p></td></tr><tr><td><p>06/04/53 – 05/12/53</p></td><td><p>Jan 2012</p></td><td><p>275,000</p></td></tr><tr><td><p>06/12/53 – 05/10/54</p></td><td><p>Feb 2012</p></td><td><p>646, 000</p></td></tr><tr><td><p>06/10/54 – 05/04/55</p></td><td><p>Feb 2012</p></td><td><p>375, 000</p></td></tr><tr><td><p>06/04/55 – 05/04/60</p></td><td><p>Oct 2012 – Nov 2013</p></td><td><p>4,475,000</p></td></tr></tbody></table><p> </p><p>To clarify, mailings undertaken as part of the communications research project have been included in the above table.</p> answering member constituency Hexham answering member printed Guy Opperman grouped question UIN 190378 question first answered 20/11/2018 15:56:43 answering member 4142 label Biography information for Guy Opperman
tabling member	1400 label Biography information for Kevin Brennan

1003624

registered interest
date	09/11/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	HSBC: Pensions
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what representations she has received on the HSBC Midland Bank pension clawback; and if she will make a statement.
tabling member constituency	Cardiff West
tabling member printed	Kevin Brennan
uin	189598
answer	answer is ministerial correction date of answer 14/11/2018 answer text <p><strong>Successive governments including the Labour government 1997-2010, Coalition and present Conservative government have had a consistent position on this issue.</strong> The Department for Work and Pensions receives a number of written representations on the Midland Pension Scheme, which is now part of the HSBC Bank (UK) Pension Scheme, about its integrated pension (or claw-back) policy from individuals and from Members of Parliament writing on their behalf, as it does on many issues.</p><p> </p><p>The Governments position on this issue was set out in response to a written parliamentary question on this subject, which can be accessed here.</p><p> </p><p><a href="https://www.parliament.uk/business/publications/written-questions-answers-statements/written-question/Commons/2017-11-13/112544/" target="_blank">https://www.parliament.uk/business/publications/written-questions-answers-statements/written-question/Commons/2017-11-13/112544/</a></p><p><strong> </strong></p> answering member constituency Hexham answering member printed Guy Opperman question first answered 14/11/2018 17:12:58 answering member 4142 label Biography information for Guy Opperman
tabling member	1400 label Biography information for Kevin Brennan

1002135

registered interest
date	05/11/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Pensions Regulator: Risk Assessment
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, when she plans to bring forward legislative proposals to enhance the moral hazard powers of the Pensions Regulator.
tabling member constituency	Blaenau Gwent
tabling member printed	Nick Smith
uin	188087
answer	answer is ministerial correction date of answer 12/11/2018 answer text <p>We have announced in the White Paper, <em>Protecting Defined Benefit Pension Schemes, </em>that we intend to introduce a stand-alone interview power and enhanced inspection powers to enable the Pensions Regulator to conduct its investigations in a more efficient way.</p><p> </p><p>The Government’s recent consultation on a stronger Pensions Regulator asked for views on proposals to strengthen the Pensions Regulator’s powers, including specifically enhancing its anti-avoidance powers, which deal with moral hazard. We are considering the responses and hope to publish our conclusions shortly, with a view to taking forward any necessary legislation in due course.</p> answering member constituency Hexham answering member printed Guy Opperman grouped question UIN 188088 question first answered 12/11/2018 12:41:52 answering member 4142 label Biography information for Guy Opperman
tabling member	3928 label Biography information for Nick Smith

1002136

registered interest
date	05/11/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Pensions Regulator: Powers
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, if she will bring forward legislative proposals to enhance the (a) information-gathering and (b) anti-avoidance powers of the Pensions Regulator.
tabling member constituency	Blaenau Gwent
tabling member printed	Nick Smith
uin	188088
answer	answer is ministerial correction date of answer 12/11/2018 answer text <p>We have announced in the White Paper, <em>Protecting Defined Benefit Pension Schemes, </em>that we intend to introduce a stand-alone interview power and enhanced inspection powers to enable the Pensions Regulator to conduct its investigations in a more efficient way.</p><p> </p><p>The Government’s recent consultation on a stronger Pensions Regulator asked for views on proposals to strengthen the Pensions Regulator’s powers, including specifically enhancing its anti-avoidance powers, which deal with moral hazard. We are considering the responses and hope to publish our conclusions shortly, with a view to taking forward any necessary legislation in due course.</p> answering member constituency Hexham answering member printed Guy Opperman grouped question UIN 188087 question first answered 12/11/2018 12:41:52 answering member 4142 label Biography information for Guy Opperman
tabling member	3928 label Biography information for Nick Smith

1002137

registered interest
date	05/11/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Pensions: Consumer Information
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what progress her Department has made on proposed verification and security measures for individual users of the proposed Pensions Dashboard.
tabling member constituency	Blaenau Gwent
tabling member printed	Nick Smith
uin	188089
answer	answer is ministerial correction date of answer 12/11/2018 answer text <p>On Tuesday 4 September 2018, I published a written statement providing an update on pensions including the pensions dashboard. This statement can be found here: <a href="https://www.parliament.uk/business/publications/written-questions-answers-statements/written-statement/Commons/2018-09-04/HCWS933/" target="_blank">https://www.parliament.uk/business/publications/written-questions-answers-statements/written-statement/Commons/2018-09-04/HCWS933/</a></p><p><strong> </strong></p><p>An industry-led Dashboard, facilitated by Government, will harness the best of industry innovation. We will continue to engage with industry, consumer groups and other stakeholders on this model and Government will protect pension savers and personal information by legislating where necessary.</p> answering member constituency Hexham answering member printed Guy Opperman question first answered 12/11/2018 12:45:41 answering member 4142 label Biography information for Guy Opperman
tabling member	3928 label Biography information for Nick Smith

1002138

registered interest
date	05/11/2018
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Pensions: Consumer Information
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, whether the participation of pension schemes in the Pensions Dashboard will be compulsory.
tabling member constituency	Blaenau Gwent
tabling member printed	Nick Smith
uin	188090
answer	answer is ministerial correction date of answer 12/11/2018 answer text <p>As set out in the Autumn Budget, DWP will consult on the detailed design for pensions dashboards, and on how an industry-led approach could harness innovation while protecting consumers. As part of the consultation, due to be published shortly, the Department will explore how to maximise the participation of pension schemes.</p> answering member constituency Hexham answering member printed Guy Opperman question first answered 12/11/2018 12:44:09 answering member 4142 label Biography information for Guy Opperman
tabling member	3928 label Biography information for Nick Smith