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1129515

	registered interest
	date	04/06/2019
	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	Occupational Money Purchase Schemes
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether they intend to legislate to introduce collective defined contribution schemes by the end of 2019.
	tabling member printed	Lord Hain
	uin	HL16000
	answer	answer is ministerial correction date of answer 18/06/2019 answer text <p>This Government has recently published a response to a Collective Defined Contribution schemes consultation setting out its plans, and has engaged extensively with key stakeholders.</p> answering member printed Baroness Buscombe question first answered 18/06/2019 15:52:00 answering member 3349 label Biography information for Baroness Buscombe
	tabling member	567 label Biography information for Lord Hain

1129551

	registered interest
	date	04/06/2019
	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	Arcadia Group: Pensions
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether Ministers or officials have (1) written to, (2) had any meetings with, or (3) communicated in other forms with, Sir Philip Green, Lady Christina Green or the Pensions Regulator in connection with the Arcadia Group Pension Scheme.
	tabling member printed	Lord Myners
	uin	HL16036
	answer	answer is ministerial correction date of answer 18/06/2019 answer text <p>Neither Ministers nor officials have written to, had meetings with, or communicated in other forms with Sir Philip Green or Lady Christina Green.</p><p> </p><p>Ministers and officials have quarterly meetings with the Pensions Regulator, but not specifically concerning Sir Philip Green or the Arcadia Group. This is because the Pensions Regulator is an independent body, and as such the Government cannot intervene or influence its actions. The Regulator also keeps DWP officials informed about its work in monitoring pension schemes.</p> answering member printed Baroness Buscombe question first answered 18/06/2019 15:51:18 answering member 3349 label Biography information for Baroness Buscombe
	tabling member	3869 label Biography information for Lord Myners

1130233

	registered interest
	date	05/06/2019
	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	Occupational Money Purchase Schemes
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government, further to the Written Answer by Baroness Buscombe on 5 June (HL15876), whether they intend to legislate to introduce collective defined contribution schemes by the end of 2019.
	tabling member printed	Lord Hain
	uin	HL16094
	answer	answer is ministerial correction date of answer 19/06/2019 answer text <p>I refer the Noble Lord to my previous responses. The Government will bring forward legislation as soon as parliamentary time allows.</p> answering member printed Baroness Buscombe question first answered 19/06/2019 15:47:35 answering member 3349 label Biography information for Baroness Buscombe
	tabling member	567 label Biography information for Lord Hain

1130234

	registered interest
	date	05/06/2019
	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	Poverty
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government when they last discussed (1) low and insecure incomes, (2) issues emerging from the rollout of Universal Credit, and (3) increased demand for food banks, with representatives of the relevant voluntary agencies; and what was the outcome of those discussions.
	tabling member printed	Lord Hylton
	uin	HL16095
	answer	answer is ministerial correction date of answer 19/06/2019 answer text <p>Ministers and officials have regular meetings with key stakeholders to discuss a diverse range of issues that fall within the Department’s remit and impact on the lives of claimants. Many of these contacts occur at a local level between Jobcentres and external stakeholders which serve or represent their local communities, and such contacts are not recorded centrally, and to provide this information would incur disproportionate cost to the Department.</p><p> </p><p>Universal Credit is designed to react and respond quickly to feedback from our stakeholders and claimants to improve the service we offer; ensuring welfare payments reach those who need them most, and effectively supporting those with insecure or fluctuating incomes. At a national level we meet regularly with stakeholders, partners and third party organisations to discuss Universal Credit and invite views and collaboration, for example, on the design of the processes for moving people onto Universal Credit. This includes identifying and tackling barriers and concerns.</p><p> </p><p>Furthermore, the Government is committed to building an economy that works for everyone. Through the National Minimum Wage (NMW) and the National Living Wage (NLW) the Government protects the lowest paid within our society.</p><p> </p> answering member printed Baroness Buscombe question first answered 19/06/2019 11:32:43 answering member 3349 label Biography information for Baroness Buscombe
	tabling member	2018 label Biography information for Lord Hylton

1130235

	registered interest
	date	05/06/2019
	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	Universal Credit: Repayments
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assessment they have made of the case for modifiying the repayment of Universal Credit advance payments in order to take into account individual circumstances such as debts related to (1) utilities, (2) Council Tax, and (3) previous loans.
	tabling member printed	Lord Hylton
	uin	HL16096
	answer	answer is ministerial correction date of answer 19/06/2019 answer text <p>The Department recognises the importance of safeguarding the welfare of claimants who have incurred debt. Universal Credit already has procedures and regulations in place to protect claimants from excessive deductions. The maximum rate of deductions cannot normally exceed 40 per cent of the Universal Credit standard allowance, and from October 2019 this will be reduced to 30 per cent.</p><p> </p><p>The average advance amount for new claims is around £400, which can be repaid over a period of 12 months, at a rate of £33.33 per month. Therefore, in the majority of cases, advance payment recovery is small in comparison to the whole Universal Credit award, with a current average award of £658 per month.</p><p> </p><p>We recognise that exceptional circumstances may occur to claimants that were not foreseen when the advance was taken out. Help is available for those struggling to meet the recovery rate once recovery begins and if the claimant is facing unexpected financial hardship they can ask the Department for a deferral of the repayment of any advance they have taken out. The deferral periods are up to 3 months for a new claim, benefit transfer or change of circumstances advance and up to 6 months for a Budgeting advance.</p><p> </p><p>Where a claimant has a reduction in benefit due to a Fraud Penalty or Conditionally Sanction that equals or exceeds 40% of their Universal Credit standard allowance then no advance repayment will be taken. If there is insufficient Universal Credit in payment due to reductions such as earnings, other income and capital yield to take the full amount of advances repayment, a lesser amount will be taken.</p> answering member printed Baroness Buscombe question first answered 19/06/2019 11:35:17 answering member 3349 label Biography information for Baroness Buscombe
	tabling member	2018 label Biography information for Lord Hylton

1130254

	registered interest
	date	05/06/2019
	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	Arcadia Group: Pensions
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what plans they have to review (1) decisions taken by the trustees of the Arcadia Group Pension Scheme which may have contributed to an aggregate deficit of liabilities over assets of some £700 million, (2) the oversight of the Arcadia Scheme by the Pensions Regulator, and (3) the Pensions Regulator's use of its powers in relation to the Arcadia Scheme.
	tabling member printed	Lord Myners
	uin	HL16115
	answer	answer is ministerial correction date of answer 19/06/2019 answer text <p>The Government cannot intervene with the decisions taken by trustees of pension schemes.</p><p> </p><p>The Pensions Regulator is an independent body, and as such the Government cannot comment on any cases dealt with by the Regulator. Due to this, the Government does not have plans to review the oversight exercised over the Arcadia scheme, or the use of powers in relation to the scheme.</p> answering member printed Baroness Buscombe question first answered 19/06/2019 15:46:29 answering member 3349 label Biography information for Baroness Buscombe
	tabling member	3869 label Biography information for Lord Myners

1130843

	registered interest
	date	10/06/2019
	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	Arcadia Group: Pensions
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government why the Pensions Regulator has allowed the owners of Arcadia Group to phase their contribution to address that company’s pension deficit over a period of time instead of a single up-front payment; whether the Pensions Regulator is using financial advisers to determine whether Arcadia’s business plan will eventually cover the deficit; and if so, who are those advisers.
	tabling member printed	Lord Myners
	uin	HL16210
	answer	answer is ministerial correction date of answer 24/06/2019 answer text <p>The pensions framework established by Parliament in the Pensions Act 2004 sets out that ongoing employers may address the funding of their scheme deficits over a reasonable period of time. This responsibility falls on the company rather than its owners, other than where The Pensions Regulator has used its anti-avoidance powers. This approach of spreading funding of deficits was established to balance the needs of schemes with those of their sponsoring employers.</p><p> </p><p>The Arcadia trustees and the Arcadia group took an approach which was similar to many other schemes and employers in establishing recovery plans to address their schemes’ deficits over a number of years. In response to a request to vary those recovery plan payments, made in conjunction with the Arcadia Group’s Company Voluntary Arrangements proposals, The Pensions Regulator, working alongside the trustees and the Pension Protection Fund, has negotiated robustly to secure an enhanced package of support for the pension schemes in connection with a successful Company Voluntary Arrangement, worth significantly more than would be received if the Company Voluntary Arrangement is not successful and Arcadia Group Ltd becomes insolvent. This represents appropriate protection, in challenging circumstances, and is equitable in the context of the wider Company Voluntary Arrangements process.</p><p> </p><p>In assessing the turnaround plan presented by Arcadia, The Pensions Regulator has been informed by the analysis carried out by professional advisers to the trustees. The Pensions Regulator has considerable expertise in restructuring situations and this includes people in its regulatory teams with a background working in big chartered accountancy firms and restructuring operations in banks.</p> answering member printed Baroness Buscombe question first answered 24/06/2019 11:44:23 answering member 3349 label Biography information for Baroness Buscombe
	tabling member	3869 label Biography information for Lord Myners

1131476

	registered interest
	date	11/06/2019
	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	Arcadia Group: Pensions
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether the Pensions Regulator (1) regarded an additional payment into the Arcadia Pension Fund to be an adequate contribution to the deficit, and (2) supported the Company Voluntary Arrangements proposed by Sir Philip and Lady Green; and if so, why.
	tabling member printed	Lord Myners
	uin	HL16270
	answer	answer is ministerial correction date of answer 24/06/2019 answer text <p>The best support for a defined benefit pension scheme is an ongoing trading employer. Working with the shareholders, pension trustees and Pension Protection Fund, The Pensions Regulator were pleased to be able to agree a £310m package of support last week that would provide greater certainty for the Arcadia pension schemes. This comprises security to the value of £210m, together with the £100m in cash from Lady Green. The Pensions Regulator remain satisfied that the arrangement is the right one for members and the Pension Protection Fund in challenging circumstances and is equitable in the context of the wider Company Voluntary Arrangements process.</p><p> </p><p>The Pension Regulator’s goal is to protect the interests of members of the Arcadia schemes as far as possible in these difficult circumstances. A successful outcome will mean ongoing Deficit repair contributions payments from the company, enabling the schemes to become fully funded in due course. Had the Company Voluntary Arrangement votes failed, or if the Company Voluntary Arrangements are successfully challenged, the position of the pension schemes would be/will be much less certain. Deficit repair contributions from Arcadia Group Limited, initially £25m per annum (paid in equal monthly instalments) and escalating in subsequent years, would cease. The amount recovered by the pension schemes would be significantly less in an uncontrolled insolvency than under the terms of the Company Voluntary Arrangement. On this basis The Pensions Regulator supported the Company Voluntary Arrangement.</p> answering member printed Baroness Buscombe question first answered 24/06/2019 14:30:41 answering member 3349 label Biography information for Baroness Buscombe
	tabling member	3869 label Biography information for Lord Myners

1131883

	registered interest
	date	12/06/2019
	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: Greater Manchester
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government how many pensioners aged 75 and over receive (1) state pension, and (2) pensioner credit, in each of the ten districts of Greater Manchester.
	tabling member printed	Lord Bradley
	uin	HL16301
	answer	answer is ministerial correction date of answer 24/06/2019 answer text <p>In November 2018, the number of pensioners aged 75 and over claiming the State Pension and Pension Credit in the Greater Manchester districts can be found in the table below.</p><p> </p><p><strong>Pension Credit and State Pension Recipients by district</strong></p><p><strong> </strong></p><table><tbody><tr><td><p><strong> </strong></p></td><td><p><strong>State Pension</strong></p></td><td><p><strong>Pension Credit</strong></p></td></tr><tr><td><p>Bolton</p></td><td><p>21,321</p></td><td><p>4,859</p></td></tr><tr><td><p>Bury</p></td><td><p>15,189</p></td><td><p>2,790</p></td></tr><tr><td><p>Manchester</p></td><td><p>21,524</p></td><td><p>8,290</p></td></tr><tr><td><p>Oldham</p></td><td><p>16,374</p></td><td><p>3,746</p></td></tr><tr><td><p>Rochdale</p></td><td><p>15,231</p></td><td><p>3,798</p></td></tr><tr><td><p>Salford</p></td><td><p>16,157</p></td><td><p>4,255</p></td></tr><tr><td><p>Stockport</p></td><td><p>27,258</p></td><td><p>4,239</p></td></tr><tr><td><p>Tameside</p></td><td><p>17,049</p></td><td><p>3,790</p></td></tr><tr><td><p>Trafford</p></td><td><p>19,359</p></td><td><p>3,006</p></td></tr><tr><td><p>Wigan</p></td><td><p>26,354</p></td><td><p>5,416</p></td></tr></tbody></table><p><strong> </strong></p> answering member printed Baroness Buscombe question first answered 24/06/2019 15:00:45 answering member 3349 label Biography information for Baroness Buscombe
	tabling member	452 label Biography information for Lord Bradley

1132639

	registered interest
	date	17/06/2019
	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	Universal Credit
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether they intend to start the pilot of Universal Credit managed migration in July; if so, when in July; and what meetings they have held with stakeholders to discuss any such pilot.
	tabling member printed	Baroness Lister of Burtersett
	uin	HL16417
	answer	answer is ministerial correction date of answer 25/06/2019 answer text <p>We plan to commence the Move to UC pilot when the necessary preparations are in place, subject to management checks of readiness. Preparations are proceeding to plan.</p><p>Stakeholder engagement has been and continues to be a vital part of the work we are doing on Universal Credit. Since last October we have been working closely with a diverse range of stakeholders to listen to their views and to better understand their concerns, to ensure the widest possible range of insights are played into the design of the process for moving claimants from legacy benefits onto Universal Credit.</p><p> </p> answering member printed Baroness Buscombe question first answered 25/06/2019 13:40:22 answering member 3349 label Biography information for Baroness Buscombe
	tabling member	4234 label Biography information for Baroness Lister of Burtersett