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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

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

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

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

582652

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

582653

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 women who are in multiple part-time jobs, none of which pay more than the National Insurance lower earnings limit, are able to claim credit for their state pension.
tabling member printed	Baroness Altmann
uin	HL1836
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 HL1835 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

576987

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
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what efforts they have made to inform people what their individual state pension age will be (1) directly using individual letters, and (2) indirectly such as through a national high-profile advertising campaign.
tabling member printed	Baroness Altmann
uin	HL1584
answer	answer is ministerial correction date of answer 15/09/2016 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. For example, following the Pensions Act 1995, State Pension estimates, issued to individuals on request, made the changes clear.</p><p> </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.</p><p> </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.</p><p> </p><p>As part of a national advertising campaign about the changes to the State Pension from 6 April 2016, we encouraged people to find out about their State Pension age. Between August 2015 and April 2016, there were 1.6m visits to the campaign page GOV.UK/yourstatepension. Between February 2016 and April 2016 the State Pension age calculator was used 2.3 million times. The campaign directs people to our new online Check your State Pension service where individual personal State Pension forecasts can be viewed. Over a million forecasts have been viewed since the service launched in February 2016.</p><p> </p><p>We have committed to completing a review of the State Pension age by May 2017. As part of our on-going no-cost media activity on the issue, the launch of the review, for example, was the front page of a number of national newspapers.</p> answering member printed Lord Freud question first answered 15/09/2016 11:43:04 answering member 3893 label Biography information for Lord Freud
tabling member	4533 label Biography information for Baroness Altmann

576222

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