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603936

	registered interest
	date	17/10/2016
	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
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government, further to the Written Answers by Lord Freud on 15 September (HL1460, HL1461 and HL1462), what assessment they have made of (1) the proportion of addresses held by the Department for Work and Pensions that are incorrect, and (2) the number of people who will not have received a letter informing them of the change in their state pension age.
	tabling member printed	Baroness Altmann
	uin	HL2332
	answer	answer is ministerial correction date of answer 31/10/2016 answer text <p>This information requested is not collated centrally and could only be provided at disproportionate cost.</p> answering member printed Lord Freud question first answered 31/10/2016 12:25:04 answering member 3893 label Biography information for Lord Freud
	tabling member	4533 label Biography information for Baroness Altmann

603938

	registered interest
	date	17/10/2016
	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
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government, further to the Written Answer by Lord Freud on 15 September (HL1462), what happens to letters that are returned undelivered when incorrect details are held.
	tabling member printed	Baroness Altmann
	uin	HL2334
	answer	answer is ministerial correction date of answer 31/10/2016 answer text <p>Letters are issued to the latest address held on our records. Whilst the onus is on our citizens to notify appropriate Departments of their current address, DWP takes all reasonable steps to determine the correct address when letters are returned. This includes scrutinising all available DWP systems to determine if a revised address is held. At the time of the age equalisation communications campaign the process for State Pension included contact through Local Authorities or a DWP Visiting Officer. Where an updated address is confirmed the customer account details are amended.</p> answering member printed Lord Freud question first answered 31/10/2016 14:03:34 answering member 3893 label Biography information for Lord Freud
	tabling member	4533 label Biography information for Baroness Altmann

603937

	registered interest
	date	17/10/2016
	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
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government, further to the Written Answer by Lord Freud on 15 September (HL1462), what action was taken to trace new addresses and re-send letters to those affected by the increase in State Pension Age under the Pensions Act 2011; and for whom letters sent between January 2012 and November 2013 were returned due to the Department for Work and Pensions having the incorrect address.
	tabling member printed	Baroness Altmann
	uin	HL2333
	answer	answer is ministerial correction date of answer 31/10/2016 answer text <p>The Department has a robust process in place to review all incorrect address returns and properly scrutinise and update customer account details when an address is confirmed. Letters are issued to the latest address held on our records. DWP takes all reasonable steps to determine the correct address. For State Pensions this may include contact through Local Authority or a DWP Visiting Officer. Where an updated address is confirmed the customer account details are amended.</p><p>Information on the number of individuals who had letters returned due to incorrect address details, and details on resending letters is not collated centrally and could only be provided at disproportionate cost.</p> answering member printed Lord Freud question first answered 31/10/2016 12:25:30 answering member 3893 label Biography information for Lord Freud
	tabling member	4533 label Biography information for Baroness Altmann

581618

	registered interest
	date	12/09/2016
	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	Pension Protection Fund
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government  how many non-associated multi-employer defined benefit pension schemes in the UK are covered by the Pension Protection Fund, and what estimate they have made of the total number of employers in those schemes.
	tabling member printed	Baroness Altmann
	uin	HL1758
	answer	answer is ministerial correction date of answer 15/09/2016 answer text <p>As at 31 March 2016, there were 26 non-associated multi-employer schemes, with a total of 5,060 participating employers between them which are covered by the Pension Protection Fund.</p> answering member printed Lord Freud question first answered 15/09/2016 15:28:54 answering member 3893 label Biography information for Lord Freud
	tabling member	4533 label Biography information for Baroness Altmann

598877

	registered interest
	date	11/10/2016
	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	Workplace Pensions
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government whether they intend to offer relief to unincorporated employers who are at risk of personal bankruptcy as a result of significant increases in defined benefit pension deficits in Non-Associated Multi-Employer Schemes following the rise in annuity costs associated with the falls in long-term interest rates in recent years; and if so, what relief will be made available.
	tabling member printed	Baroness Altmann
	uin	HL2185
	answer	answer is ministerial correction date of answer 25/10/2016 answer text <p>We have recently consulted on problems faced by non-associated multi-employer schemes (NAMES) and had representations from various interested parties. We will be responding in due course.</p> answering member printed Lord Freud question first answered 25/10/2016 11:27:04 answering member 3893 label Biography information for Lord Freud
	tabling member	4533 label Biography information for Baroness Altmann

657733

	registered interest
	date	13/12/2016
	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	Workplace Pensions
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government whether they are proposing to change rules relating to debts under section 75 of the Pensions Act 1995 to protect unincorporated employers from being made bankrupt as a result of debts calculated on a section 75 basis in non-associated multi-employer pension schemes which relate to other employers who have already left the scheme; and if so, how.
	tabling member printed	Baroness Altmann
	uin	HL4052
	answer	answer is ministerial correction date of answer 20/12/2016 answer text <p>Following a Call for Evidence last year we are exploring alternative methods to help employers in multi-employer schemes manage section 75 employer debts.</p> answering member printed Lord Freud question first answered 20/12/2016 16:00:29 answering member 3893 label Biography information for Lord Freud
	tabling member	4533 label Biography information for Baroness Altmann

598881

	registered interest
	date	11/10/2016
	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
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government what surveys or analysis they have conducted to assess the number of people reaching 65 years of age between 2018 and 2020 who are unaware that they will not be eligible for their state pension as soon as they reach 65.
	tabling member printed	Baroness Altmann
	uin	HL2189
	answer	answer is ministerial correction date of answer 25/10/2016 answer text <p>The Government has provided information in order for all individuals to be able to find out their State Pension age and conditions of their benefits.</p><p>Following the 2011 changes, which brought about faster equalisation of men’s and women’s State Pension ages and accelerated the timetable for the rise to 66, DWP wrote to all individuals directly affected to inform them of the change to their State Pension age, using the address details recorded by HMRC at the time. The 2012 Attitudes to Pensions survey included questions on awareness of State Pension age.</p><p>Information on State Pension age changes and who they affect is also available on <a href="http://gov.uk" target="_blank">GOV.UK</a>, and the online State Pension age calculator gives individuals a quick and simple way to check when they will reach State Pension age. Between February 2016 and April 2016 the State Pension age calculator was used 2.3 million times.</p> answering member printed Lord Freud grouped question UIN HL2190 question first answered 25/10/2016 11:21:00 answering member 3893 label Biography information for Lord Freud
	tabling member	4533 label Biography information for Baroness Altmann

598882

	registered interest
	date	11/10/2016
	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
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government what surveys or analysis they have conducted since 2012 to assess the public’s knowledge or understanding of the state pension age, particularly among people over the age of 50.
	tabling member printed	Baroness Altmann
	uin	HL2190
	answer	answer is ministerial correction date of answer 25/10/2016 answer text <p>The Government has provided information in order for all individuals to be able to find out their State Pension age and conditions of their benefits.</p><p>Following the 2011 changes, which brought about faster equalisation of men’s and women’s State Pension ages and accelerated the timetable for the rise to 66, DWP wrote to all individuals directly affected to inform them of the change to their State Pension age, using the address details recorded by HMRC at the time. The 2012 Attitudes to Pensions survey included questions on awareness of State Pension age.</p><p>Information on State Pension age changes and who they affect is also available on <a href="http://gov.uk" target="_blank">GOV.UK</a>, and the online State Pension age calculator gives individuals a quick and simple way to check when they will reach State Pension age. Between February 2016 and April 2016 the State Pension age calculator was used 2.3 million times.</p> answering member printed Lord Freud grouped question UIN HL2189 question first answered 25/10/2016 11:21:00 answering member 3893 label Biography information for Lord Freud
	tabling member	4533 label Biography information for Baroness Altmann

598129

	registered interest
	date	10/10/2016
	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
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government what plans they have to ensure that individuals who are currently working in multiple low paid jobs without receiving national insurance credits will not lose out on their future state pension relative to people who are not working and still being credited for National Insurance contributions.
	tabling member printed	Baroness Altmann
	uin	HL2158
	answer	answer is ministerial correction date of answer 24/10/2016 answer text <p>The population working in multiple low paid jobs is not static and there is little evidence that people are engaged in this type of work pattern for significant periods in their working life, or that their state pension outcomes are affected, so many of those affected are likely to build up sufficient qualifying years in the future through paid or credited contributions. There is also a very wide gateway to National Insurance cover already: the lower earnings limit, the threshold for access to contributory benefits (including the State Pension) is set at the equivalent of less than 16 hours per week at the national living wage; there is a comprehensive system for National Insurance credits; people can pay voluntary contributions to protect their State Pension position, and finally, new State Pension allows for substantial gaps in National Insurance cover – up to 15 years over a 50 year working life – without penalty.</p> answering member printed Lord Freud question first answered 24/10/2016 13:47:32 answering member 3893 label Biography information for Lord Freud
	tabling member	4533 label Biography information for Baroness Altmann

657736

	registered interest
	date	13/12/2016
	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	Older Workers
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government what new policies or initiatives they plan to introduce during 2017 to encourage employers to retain, retrain and recruit workers aged (1) over 50, and (2) over 60.
	tabling member printed	Baroness Altmann
	uin	HL4055
	answer	answer is ministerial correction date of answer 20/12/2016 answer text <p>The Government is committed to ensuring that employers are aware of the wealth of skills and experience that older workers bring to the workplace. There is also a clear business need; by the 2030s over 50s will comprise over half of the UK adult working age population and employers increasingly need to employ and retain the skills and experience of older workers longer to remain competitive and avoid skills and labour shortages in the future.</p><p> </p><p>The Government has recently appointed the Business in the Community (BiTC) Age at Work Leadership Team led by Andy Briggs, Chief Executive of Aviva UK and Chairman of Global Life, as Business Champion for Older Workers to promote the benefits older people bring to employers. The BiTC team will actively promote the benefits of older workers to employers across England – influencing them both strategically and in terms of practical advice.</p><p> </p><p>Jobcentre Plus advisers have the flexibility to offer all claimants, including older people, a comprehensive menu of help which includes skills provision and job search support. All claimants who are long-term unemployed can access the tailored back to work support, on offer from the Work Programme.</p><p> </p><p>Jobcentre Plus also introduced an Older Claimant Champion in each of its seven Jobcentre Plus Groups in April 2015. These Champions work with Work Coaches and employer-facing staff to raise the profile of older workers, highlight the benefits of employing older jobseekers and share best practice.</p><p> </p><p>DWP is working with a range of organisations and employers to produce effective solutions and set up working groups of employers to look at improving the retention, retraining and recruitment of people age 50+. The Government will publish a new cross-government, employer-led national strategy which will set out the future direction of the Fuller Working Lives agenda early next year. The new strategy will be firmly grounded in “A New Vision for Older Workers: Retain, Retrain, Recruit”.</p> answering member printed Lord Freud grouped question UIN HL4053 HL4054 question first answered 20/12/2016 15:20:00 answering member 3893 label Biography information for Lord Freud
	tabling member	4533 label Biography information for Baroness Altmann