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747344

	published
	registered interest
	date	03/07/2017
	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: Tax Allowances
	house id	2
	legislature	25277 pref label House of Lords
	question text	Her Majesty's Government against whom a worker earning £11,500 can claim if they discover that their employer has used a workplace pension scheme operating on a Net Pay basis for auto-enrolment, in order to recover the 25% taxpayer bonus they could have received in a Relief at Source scheme.
	tabling member printed	Baroness Altmann
	uin	HL321
	answer	answer is ministerial correction date of answer 11/07/2017 answer text <p>The Government does not collect data on the number of workers earning less than the personal allowance who are also members of pension schemes that operate a net pay system. The Government does not hold employee level data on employees enrolled in net pay pension schemes, as such schemes are not obliged to report pension contributions to HM Revenue and Customs. The Government does not, therefore, hold information on the value of tax reliefs paid out to employees in net pay schemes.</p><p> </p><p>The latest official analysis of the eligibility of workers for automatic enrolment was published on 13 October 2016 in ‘Workplace Pensions: Update of analysis on Automatic Enrolment’. Information on age and earnings breakdowns for all workers can be found in table 3a on page 6.</p><p> </p><p>The Pensions Regulator provides guidance to employers on choosing a pension scheme for their staff in order to discharge their statutory obligations under automatic enrolment. This guidance covers the choice between net pay and relief at source schemes, and the implications of net pay schemes for employees who do not pay tax. Provided an employer has selected a qualifying pension scheme for automatic enrolment, they have complied with their automatic enrolment duties with respect to scheme choice.</p> answering member printed Baroness Buscombe grouped question UIN HL320 HL322 HL323 question first answered 11/07/2017 15:55:57 answering member 3349 label Biography information for Baroness Buscombe
	tabling member	4533 label Biography information for Baroness Altmann

747346

	published
	registered interest
	date	03/07/2017
	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: Tax Allowances
	house id	2
	legislature	25277 pref label House of Lords
	question text	Her Majesty's Government what assessment they have made of the impact of low paid workers' claims against their employers for the money they are due in tax relief if it is denied to them by their employer's choice of pension scheme.
	tabling member printed	Baroness Altmann
	uin	HL322
	answer	answer is ministerial correction date of answer 11/07/2017 answer text <p>The Government does not collect data on the number of workers earning less than the personal allowance who are also members of pension schemes that operate a net pay system. The Government does not hold employee level data on employees enrolled in net pay pension schemes, as such schemes are not obliged to report pension contributions to HM Revenue and Customs. The Government does not, therefore, hold information on the value of tax reliefs paid out to employees in net pay schemes.</p><p> </p><p>The latest official analysis of the eligibility of workers for automatic enrolment was published on 13 October 2016 in ‘Workplace Pensions: Update of analysis on Automatic Enrolment’. Information on age and earnings breakdowns for all workers can be found in table 3a on page 6.</p><p> </p><p>The Pensions Regulator provides guidance to employers on choosing a pension scheme for their staff in order to discharge their statutory obligations under automatic enrolment. This guidance covers the choice between net pay and relief at source schemes, and the implications of net pay schemes for employees who do not pay tax. Provided an employer has selected a qualifying pension scheme for automatic enrolment, they have complied with their automatic enrolment duties with respect to scheme choice.</p> answering member printed Baroness Buscombe grouped question UIN HL320 HL321 HL323 question first answered 11/07/2017 15:55:57 answering member 3349 label Biography information for Baroness Buscombe
	tabling member	4533 label Biography information for Baroness Altmann

747350

	published
	registered interest
	date	03/07/2017
	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
	house id	2
	legislature	25277 pref label House of Lords
	question text	Her Majesty's Government what estimate they have made of the cost saving, in long-term expenditure on State Pensions, from changing the current triple lock into a double lock using the best of earnings or CPI inflation, from 2020 onwards.
	tabling member printed	Baroness Altmann
	uin	HL324
	answer	answer is ministerial correction date of answer 11/07/2017 answer text <p><br>The Government is committed to ensuring economic security for people at every stage of their life, including when they reach retirement. The Government is also clear that fairness between the generations must be maintained. We are committed to the Triple Lock for the remainder of this Parliament. Economic forecasts suggest that State Pensions will go up by at least 2.5% each year for the length of this Parliament and so maintaining the Triple Lock for this Parliament will cost no extra money.</p><p> </p><p>It is estimated that uprating the State Pension by a double lock (highest of earnings or inflation) from April 2020 would reduce State Pension expenditure by the following compared to the Triple Lock:</p><p>(1) 0.03% of GDP in 2029/30;</p><p>(2) 0.08% of GDP in 2039/40;</p><p>(3) 0.13% of GDP in 2049/50;</p><p> </p><p>It is estimated that in 2066/67, uprating by a double lock would reduce State Pension expenditure by around 0.2% of GDP compared to uprating by the Triple Lock.</p> answering member printed Baroness Buscombe grouped question UIN HL325 question first answered 11/07/2017 15:41:13 answering member 3349 label Biography information for Baroness Buscombe
	tabling member	4533 label Biography information for Baroness Altmann

747351

	published
	registered interest
	date	03/07/2017
	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
	house id	2
	legislature	25277 pref label House of Lords
	question text	Her Majesty's Government what is their estimate of the cost saving over (1) 10 years, (2) 20 years, and (3) 30 years, of changing the current triple lock on State Pensions into a double lock consisting of the best of earnings or CPI inflation, from 2020 onwards.
	tabling member printed	Baroness Altmann
	uin	HL325
	answer	answer is ministerial correction date of answer 11/07/2017 answer text <p><br>The Government is committed to ensuring economic security for people at every stage of their life, including when they reach retirement. The Government is also clear that fairness between the generations must be maintained. We are committed to the Triple Lock for the remainder of this Parliament. Economic forecasts suggest that State Pensions will go up by at least 2.5% each year for the length of this Parliament and so maintaining the Triple Lock for this Parliament will cost no extra money.</p><p> </p><p>It is estimated that uprating the State Pension by a double lock (highest of earnings or inflation) from April 2020 would reduce State Pension expenditure by the following compared to the Triple Lock:</p><p>(1) 0.03% of GDP in 2029/30;</p><p>(2) 0.08% of GDP in 2039/40;</p><p>(3) 0.13% of GDP in 2049/50;</p><p> </p><p>It is estimated that in 2066/67, uprating by a double lock would reduce State Pension expenditure by around 0.2% of GDP compared to uprating by the Triple Lock.</p> answering member printed Baroness Buscombe grouped question UIN HL324 question first answered 11/07/2017 15:41:13 answering member 3349 label Biography information for Baroness Buscombe
	tabling member	4533 label Biography information for Baroness Altmann

747348

	published
	registered interest
	date	03/07/2017
	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: Tax Allowances
	house id	2
	legislature	25277 pref label House of Lords
	question text	Her Majesty's Government whether low paid workers who earn less than the personal tax threshold may claim against the Pensions Regulator for failing to ensure that employers use a suitable auto-enrolment scheme that does not force them to pay more than they should for their pensions.
	tabling member printed	Baroness Altmann
	uin	HL323
	answer	answer is ministerial correction date of answer 11/07/2017 answer text <p>The Government does not collect data on the number of workers earning less than the personal allowance who are also members of pension schemes that operate a net pay system. The Government does not hold employee level data on employees enrolled in net pay pension schemes, as such schemes are not obliged to report pension contributions to HM Revenue and Customs. The Government does not, therefore, hold information on the value of tax reliefs paid out to employees in net pay schemes.</p><p> </p><p>The latest official analysis of the eligibility of workers for automatic enrolment was published on 13 October 2016 in ‘Workplace Pensions: Update of analysis on Automatic Enrolment’. Information on age and earnings breakdowns for all workers can be found in table 3a on page 6.</p><p> </p><p>The Pensions Regulator provides guidance to employers on choosing a pension scheme for their staff in order to discharge their statutory obligations under automatic enrolment. This guidance covers the choice between net pay and relief at source schemes, and the implications of net pay schemes for employees who do not pay tax. Provided an employer has selected a qualifying pension scheme for automatic enrolment, they have complied with their automatic enrolment duties with respect to scheme choice.</p> answering member printed Baroness Buscombe grouped question UIN HL320 HL321 HL322 question first answered 11/07/2017 15:55:57 answering member 3349 label Biography information for Baroness Buscombe
	tabling member	4533 label Biography information for Baroness Altmann

747343

	published
	registered interest
	date	03/07/2017
	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: Tax Allowances
	house id	2
	legislature	25277 pref label House of Lords
	question text	Her Majesty's Government whether they have estimated the number of workers earning below the personal tax threshold who have been automatically enrolled into a workplace pension scheme that operates on a Net Pay basis; and if not, why not.
	tabling member printed	Baroness Altmann
	uin	HL320
	answer	answer is ministerial correction date of answer 11/07/2017 answer text <p>The Government does not collect data on the number of workers earning less than the personal allowance who are also members of pension schemes that operate a net pay system. The Government does not hold employee level data on employees enrolled in net pay pension schemes, as such schemes are not obliged to report pension contributions to HM Revenue and Customs. The Government does not, therefore, hold information on the value of tax reliefs paid out to employees in net pay schemes.</p><p> </p><p>The latest official analysis of the eligibility of workers for automatic enrolment was published on 13 October 2016 in ‘Workplace Pensions: Update of analysis on Automatic Enrolment’. Information on age and earnings breakdowns for all workers can be found in table 3a on page 6.</p><p> </p><p>The Pensions Regulator provides guidance to employers on choosing a pension scheme for their staff in order to discharge their statutory obligations under automatic enrolment. This guidance covers the choice between net pay and relief at source schemes, and the implications of net pay schemes for employees who do not pay tax. Provided an employer has selected a qualifying pension scheme for automatic enrolment, they have complied with their automatic enrolment duties with respect to scheme choice.</p> answering member printed Baroness Buscombe grouped question UIN HL321 HL322 HL323 question first answered 11/07/2017 15:55:57 answering member 3349 label Biography information for Baroness Buscombe
	tabling member	4533 label Biography information for Baroness Altmann

582652

	published
	registered interest
	date	13/09/2016
	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	State Retirement Pensions
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government how many (1) women, and (2) men, are working but do not receive any credit towards their National Insurance state pension each year, due to being in one or more jobs that pay less than the lower earnings limit.
	tabling member printed	Baroness Altmann
	uin	HL1835
	answer	answer is ministerial correction date of answer 27/09/2016 answer text <p>DWP analysis suggests that at any one time around 10,000 men and 40,000 women have multiple jobs below the lower earnings limit (LEL) with combined earnings above it, but are not receiving any qualifying years towards the State Pension on those earnings.</p><p> </p><p> </p><p>DWP analysis estimates that of the women with multiple jobs below the LEL but total earnings above it, around 30% are getting a childcare credit for their State Pension. Others in this group may also be receiving credits through another route or be paying voluntary national insurance contributions.</p> answering member printed Lord Freud grouped question UIN HL1836 question first answered 27/09/2016 14:04:58 answering member 3893 label Biography information for Lord Freud
	tabling member	4533 label Biography information for Baroness Altmann

576988

	published
	registered interest
	date	06/09/2016
	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	State Retirement Pensions: Females
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government how many letters the Department for Work and Pensions has received from Members of Parliament since May 2015 on behalf of women who have complained about the impact of an increase in their state pension age.
	tabling member printed	Baroness Altmann
	uin	HL1585
	answer	answer is ministerial correction date of answer 15/09/2016 answer text <p>The information requested is not collated centrally and could only be provided at disproportionate costs.</p> answering member printed Lord Freud question first answered 15/09/2016 11:46:14 answering member 3893 label Biography information for Lord Freud
	tabling member	4533 label Biography information for Baroness Altmann

576222

	published
	registered interest
	date	05/09/2016
	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	State Retirement Pensions
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government how many letters they have written to (1) women, and (2) men, to inform them of changes to their state pension age; of those letters sent out, how many were returned undelivered; and when letters were returned undelivered, what efforts they then made to contact those individuals.
	tabling member printed	Baroness Altmann
	uin	HL1462
	answer	answer is ministerial correction date of answer 15/09/2016 answer text <p>Between April 2009 and March 2011, the Department mailed all women born between 6th April 1950 and 5th April 1953, informing them of their State Pension age under the 1995 Pensions Act. This involved sending 1.16 million letters to the affected females.</p><p> </p><p>Following the 2011 changes DWP wrote to all individuals directly affected to inform them of the change to their State Pension age. This applied to women born between 6th April 1953 and the 5th of April 1960 and men born between 6<sup>th</sup> December 1953 and 5<sup>th</sup> April 1960. These letters were sent between January 2012 and November 2013. This involved sending 5.77 million letters to the affected males and females.</p><p> </p><p>We do not have the total number of letters returned undelivered over the course of all the exercises. However, I can confirm we have a robust process in place to review all incorrect address returns and properly scrutinise and update customer account details when an address is confirmed. For State Pension customers, this process includes re-establishing contact through Local Authority Social Services or a DWP Visiting Officer.</p> answering member printed Lord Freud question first answered 15/09/2016 11:26:51 answering member 3893 label Biography information for Lord Freud
	tabling member	4533 label Biography information for Baroness Altmann

598126

	published
	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	Pensions: Fraud
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government how many pension scams were (1) reported, and (2) stopped by official action, in each year from 2010 to 2016.
	tabling member printed	Baroness Altmann
	uin	HL2155
	answer	answer is ministerial correction date of answer 24/10/2016 answer text <p>The Government takes the threat posed by scams very seriously and recognises that these can be complex and multifaceted, often spanning departmental and agency boundaries. It is for this reason that the Government established Project Bloom, a multi-department, multi-agency group of officials to help co-ordinate action to tackle scams, monitor trends and share intelligence on emerging threats. Members include the National Crime Agency, police forces, Pension Wise, regulators and key Government departments.</p><p>Those scams which are reported, including Pension Liberation reports, are collected and collated by the National Fraud Reporting Centre (Action Fraud), within the City of London Police, which was established in 2013. However, the true extent of pension scams in the UK is unknown because many go un-reported.</p><p>The data on the number of reported scams will include those which have been reported over the past three years by individuals, pension providers, the Pensions Regulator or other agencies but, on which, Action Fraud has not yet received any feedback from the investigating police force, for example, a report on whether suspects have been charged or summonsed. This delay is due to the complexity of pension fraud investigations which can take several years to investigate. Action Fraud would not know the outcome until the end of the court case. Frequently, numerous fraud reports will relate to a single suspect.</p><p>The data on the number of reported scams also includes reports where organisations have taken action to prevent that fraud. Outcome feedback would only be received in respect of these reports if the Police became involved.</p><p>We expect the number of charges and summons to increase as outcome feedback from investigating police forces for pre 2014 reports is received and collated. The available data is provided in the table below:</p><table><tbody><tr><td><p><strong>Year</strong></p></td><td><p><strong>No. of Action Fraud Reports </strong></p></td><td><p><strong>Suspect charged / summonsed</strong></p></td></tr><tr><td><p>2014</p></td><td><p>911</p></td><td><p>1</p></td></tr><tr><td><p>2015</p></td><td><p>807</p></td><td><p>6</p></td></tr><tr><td><p>2016 (to date)</p></td><td><p>290</p></td><td><p>0</p></td></tr><tr><td><p><strong>Total: </strong></p></td><td><p><strong>2,008</strong></p></td><td><p><strong>7</strong></p></td></tr></tbody></table><p> </p> answering member printed Lord Freud grouped question UIN HL2154 question first answered 24/10/2016 13:33:31 answering member 3893 label Biography information for Lord Freud
	tabling member	4533 label Biography information for Baroness Altmann