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754247

registered interest
date	19/07/2017
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	Pension Credit: Eligibility
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what steps his Department is taking to ensure that all those people eligible for pension credit are aware of their eligibility.
tabling member constituency	Stockton North
tabling member printed	Alex Cunningham
uin	6056
answer	answer is ministerial correction date of answer 05/09/2017 answer text <p>We are committed to ensuring that older people receive the support they are entitled to and the Department targets activity on engaging with people who may be eligible at pivotal stages such as when they claim State Pension or report a change in their circumstances.</p><p> </p><p>We use a wide range of channels to communicate information about Pension Credit to potential customers; including information on gov.uk, in leaflets and by telephone.</p><p> </p><p>We believe that one of the best ways to reach those eligible customers who may be reluctant to claim is through trusted messengers working in the community and DWP provides a web-based Pension Credit toolkit at <a href="https://www.gov.uk/government/publications/pension-credit-toolkit" target="_blank">https://www.gov.uk/government/publications/pension-credit-toolkit</a> containing a range of resources for anyone working with pensioners. It contains guides to Pension Credit, examples of the reasons why eligible customers might not claim, ideas for encouraging take-up, and makes available a range of publicity material.</p> answering member constituency Hexham answering member printed Guy Opperman question first answered 05/09/2017 11:02:56 answering member 4142 label Biography information for Guy Opperman
tabling member	4122 label Biography information for Alex Cunningham

754249

registered interest
date	19/07/2017
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
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, when the Government plans to publish its White Paper on defined benefit pensions.
tabling member constituency	Stockton North
tabling member printed	Alex Cunningham
uin	6018
answer	answer is ministerial correction date of answer 05/09/2017 answer text <p>The Government intends to publish a White Paper on Defined Benefit pensions this coming winter.</p> answering member constituency Hexham answering member printed Guy Opperman question first answered 05/09/2017 10:53:41 answering member 4142 label Biography information for Guy Opperman
tabling member	4122 label Biography information for Alex Cunningham

754252

registered interest
date	19/07/2017
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	State Pension Age Independent Review
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, when the Government plans to publish its response to the Cridland review.
tabling member constituency	Stockton North
tabling member printed	Alex Cunningham
uin	6019
answer	answer is ministerial correction date of answer 05/09/2017 answer text <p>The review was published on Wednesday 19 July 2017. Please find the below web link to the published report.</p><p> </p><p><a href="https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/630065/state-pension-age-review-final-report.pdf" target="_blank">Governments State pension age review final report</a></p> answering member constituency Hexham answering member printed Guy Opperman question first answered 05/09/2017 10:56:28 answering member 4142 label Biography information for Guy Opperman
tabling member	4122 label Biography information for Alex Cunningham

754253

registered interest
date	19/07/2017
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
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what steps he is taking to ensure that workers receive clear information about their pensions pots.
tabling member constituency	Stockton North
tabling member printed	Alex Cunningham
uin	6020
answer	answer is ministerial correction date of answer 05/09/2017 answer text <p>Legislation currently requires pension schemes to provide annual information and illustrations to scheme members about their pension pots. We are considering how members should be informed of the costs and charges that effect their pension savings.</p><p> </p><p>As part of the review of automatic enrolment we are looking at where more effective engagement could drive greater personal ownership and enable people to understand and maximise their savings. This review is due to report to Parliament at the end of the year.</p> answering member constituency Hexham answering member printed Guy Opperman question first answered 05/09/2017 10:57:29 answering member 4142 label Biography information for Guy Opperman
tabling member	4122 label Biography information for Alex Cunningham

754254

registered interest
date	19/07/2017
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
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what steps he is taking to reduce explicit and implicit costs for workers saving into pensions.
tabling member constituency	Stockton North
tabling member printed	Alex Cunningham
uin	6021
answer	answer is ministerial correction date of answer 05/09/2017 answer text <p>By 2018, around 10 million people will be saving or saving more into pensions as a result of automatic enrolment. The Government wants to ensure that people who are automatically enrolled are protected from high and unfair charges. This is why in April 2015 we introduced a cap of 0.75% on administration charges for people who are invested in the default fund of schemes used for automatic enrolment. We have also taken steps to cap or ban early exit charges in occupational pension schemes, as these can act as a barrier to individuals wishing to access the pension freedoms. We have also banned member-borne commission charges in workplace pension schemes used for automatic enrolment.</p><p> </p><p>We are currently examining the level of the charge cap to see whether it should change and whether some or all the costs associated with investment transactions should also be covered. The Government expects to conclude its examination by the end of this year.</p><p> </p><p>In 2016, the Department for Work and Pensions and the Financial Conduct Authority (FCA) undertook a joint review on industry progress in reducing charge levels in older, so-called legacy pension schemes. The report published in December 2016 found that over 1 million customers have benefitted, or will soon benefit, from a reduction in costs and charges to 1% or lower. The Government and FCA wrote to these pension providers earlier this year challenging them to make further improvements. The Government is pleased with the progress so far and we and the FCA will continue to work with providers to ensure, wherever possible, that all members of these legacy schemes benefit from reduced charges.</p> answering member constituency Hexham answering member printed Guy Opperman question first answered 05/09/2017 10:58:49 answering member 4142 label Biography information for Guy Opperman
tabling member	4122 label Biography information for Alex Cunningham