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1002198

	registered interest
	date	05/11/2018
	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, further to the Written Answer by Baroness Buscombe on 31 October (HL10751), what assessment they have made of the obligations on (1) employers, and (2) pension schemes to report failures to pay correct contributions, regardless of whether the errors are large or small; and whether there is a definition of what contributes a material error.
	tabling member printed	Baroness Altmann
	uin	HL11219
	answer	answer is ministerial correction date of answer 12/11/2018 answer text <p>Government has put in place a robust, proportionate, compliance framework for automatic enrolment which ensures that the vast majority of employers are meeting their legal duties, including: declaring compliance, accurately paying contributions and passing contributions to their chosen pension scheme. This framework is backed by statutory powers which enable the Regulator to compel compliance with the law.</p><p>Employers, trustees, managers and providers must keep records including details of the pension contributions payable in each relevant pay reference period by an employer to the scheme, and the amount payable. This includes the contributions due on the employer’s behalf and deductions made from an individual’s earnings.</p><p>The Pensions Regulator (TPR) has published codes of practice on its website setting out how trustees of defined contribution pension schemes and managers of personal pension schemes should monitor the payment of contributions, provide information to help members check their contributions and report material payment failures to TPR. The codes set out what is considered a material breach, specifically: paragraphs 173 and 174 of Code 3; paragraphs 46 and 47 of Code 5; paragraphs 48 and 49 of Code 6; and paragraphs 173 to 186 of Code 14.</p><p>In addition, TPR publishes regular assessments of its automatic enrolment compliance and enforcement activities as well as an annual commentary and analysis report, both of which are available on its website.</p> answering member printed Baroness Buscombe grouped question UIN HL11220 HL11221 HL11222 question first answered 12/11/2018 16:59:44 answering member 3349 label Biography information for Baroness Buscombe
	tabling member	4533 label Biography information for Baroness Altmann

1002199

	registered interest
	date	05/11/2018
	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 what estimate they have made of the amount of auto-enrolment pension contributions which are incorrect.
	tabling member printed	Baroness Altmann
	uin	HL11220
	answer	answer is ministerial correction date of answer 12/11/2018 answer text <p>Government has put in place a robust, proportionate, compliance framework for automatic enrolment which ensures that the vast majority of employers are meeting their legal duties, including: declaring compliance, accurately paying contributions and passing contributions to their chosen pension scheme. This framework is backed by statutory powers which enable the Regulator to compel compliance with the law.</p><p>Employers, trustees, managers and providers must keep records including details of the pension contributions payable in each relevant pay reference period by an employer to the scheme, and the amount payable. This includes the contributions due on the employer’s behalf and deductions made from an individual’s earnings.</p><p>The Pensions Regulator (TPR) has published codes of practice on its website setting out how trustees of defined contribution pension schemes and managers of personal pension schemes should monitor the payment of contributions, provide information to help members check their contributions and report material payment failures to TPR. The codes set out what is considered a material breach, specifically: paragraphs 173 and 174 of Code 3; paragraphs 46 and 47 of Code 5; paragraphs 48 and 49 of Code 6; and paragraphs 173 to 186 of Code 14.</p><p>In addition, TPR publishes regular assessments of its automatic enrolment compliance and enforcement activities as well as an annual commentary and analysis report, both of which are available on its website.</p> answering member printed Baroness Buscombe grouped question UIN HL11219 HL11221 HL11222 question first answered 12/11/2018 16:59:44 answering member 3349 label Biography information for Baroness Buscombe
	tabling member	4533 label Biography information for Baroness Altmann

576218

	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: Females
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government what estimate they have made of the number of women who are in hardship as a result of the decision to change women’s state pension age.
	tabling member printed	Baroness Altmann
	uin	HL1458
	answer	answer is ministerial correction date of answer 12/09/2016 answer text <p>The welfare system provides a safety net for those of working age and there are a range of benefits tailored to individual circumstances. The system is designed to deal with the problems which affect those most in need and takes into account difficulty in finding work, disability and caring responsibilities. No figures are available as to why claimants apply for help to the benefits system.</p><p> </p><p>Independent analysis by the Institute for Fiscal Studies has shown that the rise in women’s State Pension age since 2010 has been accompanied by increases in employment rates for the women affected.</p><p> </p> answering member printed Lord Freud question first answered 12/09/2016 16:43:26 answering member 3893 label Biography information for Lord Freud
	tabling member	4533 label Biography information for Baroness Altmann

576219

	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: Females
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government how many women born in the 1950s received Automated Pension Forecasts in the years 2003 to 2006, and of those, how many were also sent the official PM6 leaflet <i>Pensions for Women – Your Guide</i>.
	tabling member printed	Baroness Altmann
	uin	HL1459
	answer	answer is ministerial correction date of answer 09/09/2016 answer text <p>The information requested is not available</p> answering member printed Lord Freud question first answered 09/09/2016 11:46:46 answering member 3893 label Biography information for Lord Freud
	tabling member	4533 label Biography information for Baroness Altmann

576220

	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: Males
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government what estimate they have made of the number of men now aged between 58 and 62 inclusive who are aware that they will not receive their state pension when they reach their 65th birthday.
	tabling member printed	Baroness Altmann
	uin	HL1460
	answer	answer is ministerial correction date of answer 15/09/2016 answer text <p>No estimate is held on the number of men that are currently aware of the increases to State Pension age. However, all men affected by the State Pension age increase in the Pensions Act 2011 were written to between January 2012 and November 2013 using the addresses held by HMRC at the time.</p><p> </p><p>The Department does not hold a specific estimate on the number of women that are aware of their state pension age. We wrote to all women affected by the Pensions Act 2011 in the age range specified between January 2012 and November 2013 using the addresses held by HMRC at the time.</p><p> </p><p>In 2004, a DWP survey found that 73 per cent of people aged 45 to 54 (so aged 57 to 66 in 2016) were aware of the future increase in Women’s State Pension age. In 2006, 86 per cent of women aged 55-64 (so aged 65 to 74 in 2016) and 90 per cent aged 45-54 (so aged 55 to 64 in 2016) were aware that the State Pension age will increase in future. In 2012, a similar survey found that only 6% of respondents thought their State Pension Age was 60.</p> answering member printed Lord Freud grouped question UIN HL1461 question first answered 15/09/2016 11:39:58 answering member 3893 label Biography information for Lord Freud
	tabling member	4533 label Biography information for Baroness Altmann

576221

	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: Females
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government what estimates they have made of the number of women now aged between 58 and 62 inclusive who are aware of their correct state pension age.
	tabling member printed	Baroness Altmann
	uin	HL1461
	answer	answer is ministerial correction date of answer 15/09/2016 answer text <p>No estimate is held on the number of men that are currently aware of the increases to State Pension age. However, all men affected by the State Pension age increase in the Pensions Act 2011 were written to between January 2012 and November 2013 using the addresses held by HMRC at the time.</p><p> </p><p>The Department does not hold a specific estimate on the number of women that are aware of their state pension age. We wrote to all women affected by the Pensions Act 2011 in the age range specified between January 2012 and November 2013 using the addresses held by HMRC at the time.</p><p> </p><p>In 2004, a DWP survey found that 73 per cent of people aged 45 to 54 (so aged 57 to 66 in 2016) were aware of the future increase in Women’s State Pension age. In 2006, 86 per cent of women aged 55-64 (so aged 65 to 74 in 2016) and 90 per cent aged 45-54 (so aged 55 to 64 in 2016) were aware that the State Pension age will increase in future. In 2012, a similar survey found that only 6% of respondents thought their State Pension Age was 60.</p> answering member printed Lord Freud grouped question UIN HL1460 question first answered 15/09/2016 11:39:58 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

576223

	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: Females
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government what estimates they have made of the number of women who were unaware in (1) 2011, (2) 2012 and (3) 2013, that the Pensions Act 1995 had changed their state pension age from 60.
	tabling member printed	Baroness Altmann
	uin	HL1463
	answer	answer is ministerial correction date of answer 15/09/2016 answer text <p>The Department does not hold a specific estimate on the number of women that are unaware of their state pension age. We wrote to all women affected by the Pensions Act 1995 between April 2009 and March 2011 using the addresses held by HMRC at the time.</p><p> </p><p>In 2004, a DWP survey found that 73 per cent of people aged 45 to 54 (so aged 57 to 66 in 2016) were aware of the future increase in Women’s State Pension age. In 2006, 86 per cent of women aged 55-64 (so aged 65 to 74 in 2016) and 90 per cent aged 45-54 (so aged 55 to 64 in 2016) were aware that the State Pension age will increase in future. In 2012, a similar survey found that only 6% of respondents thought their State Pension Age was 60.</p> answering member printed Lord Freud question first answered 15/09/2016 11:41:19 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

576988

	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