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61843

registered interest
date	12/06/2014
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, how many people have fallen below the auto enrolment threshold in each year since that policy was introduced.
tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
tabling member printed	Gregg McClymont
uin	200362
answer	answer is ministerial correction date of answer 17/06/2014 answer text <p>Under the Pensions Act 2008, the automatic enrolment earnings trigger is reviewed by the Secretary of State every year, and revised if necessary. Since automatic enrolment was introduced in October 2012, two annual reviews to the trigger have been conducted. The table shows the impact of changes to the earnings trigger.</p><p /> <p /><table><tbody><tr><td colspan="4"><p>Earnings trigger revised</p></td><td rowspan="2"><p>Number of individuals in eligible target group excluded</p></td></tr><tr><td colspan="2"><p>From</p></td><td colspan="2"><p>To</p></td></tr><tr><td><p>2012/13</p></td><td><p>£8,105</p></td><td><p>2013/14</p></td><td><p>£9,440</p></td><td><p>420,000</p></td></tr><tr><td><p>2013/14</p></td><td><p>£9,440</p></td><td><p>2014/15</p></td><td><p>£10,000</p></td><td><p>170,000</p></td></tr></tbody></table><p>Table 1: Impact of changes to the automatic enrolment earnings trigger in each of the two annual reviews since the policy was introduced.</p><p> </p><p>Note: The figures refer to the eligible target group in the private sector. This includes individuals aged 22 to the State Pension age who earn above the earnings trigger and are not in a qualifying pension scheme.</p> answering member constituency Thornbury and Yate answering member printed Steve Webb question first answered 17/06/2014 15:13:46 answering member 220 label Biography information for Steve Webb
tabling member	3949 label Biography information for Gregg McClymont

61844

registered interest
date	12/06/2014
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, whether he proposes that his planned charge cap on workplace pensions from April 2015 will apply to new collective defined contribution schemes.
tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
tabling member printed	Gregg McClymont
uin	200361
answer	answer is ministerial correction date of answer 17/06/2014 answer text <p /> <p /> <p>The Government's Defined Ambition Bill will bring new forms of collective pension arrangements to the UK, and it is vital that member protection, good governance and fair charges remain at the heart of this system.</p><p> </p><p>Details of how any charge cap may be applied to Collective Defined Contribution schemes will be in place before this legislation is commenced.</p> answering member constituency Thornbury and Yate answering member printed Steve Webb question first answered 17/06/2014 11:53:23 answering member 220 label Biography information for Steve Webb
tabling member	3949 label Biography information for Gregg McClymont

61845

registered interest
date	12/06/2014
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, how many people are below the earnings threshold for auto enrolment into a workplace pension in each (a) region, (b) constituent part of the UK and (c) parliamentary constituency.
tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
tabling member printed	Gregg McClymont
uin	200360
answer	answer is ministerial correction date of answer 17/06/2014 answer text <p>The information is not available in the format requested.</p> answering member constituency Thornbury and Yate answering member printed Steve Webb question first answered 17/06/2014 14:56:41 answering member 220 label Biography information for Steve Webb
tabling member	3949 label Biography information for Gregg McClymont

49009

registered interest
date	29/04/2014
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	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, how many people made requests of the pension tracing service to find lost pension pots in each year since May 2010; and how many of these were successful.
tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
tabling member printed	Gregg McClymont
uin	197021
answer	answer is ministerial correction date of answer 07/05/2014 answer text <p /> <p /> <p>Table below shows the total number of Pension Trace requests and those which were successful. Successful Pension Traces are where we are able to provide a customer with contact details of the pension administrator for the particular company or employer they had worked for.</p><p> </p><table><tbody><tr><td><p>1<sup>st</sup> April 10 to 31<sup>st</sup> March 11</p></td><td><p>Total 76,453 Successful 66,586</p></td></tr><tr><td><p>1<sup>st</sup> April 11 to 31<sup>st</sup> March 12</p></td><td><p>Total 77,757 Successful 67,068</p></td></tr><tr><td><p>1<sup>st</sup> April 12 to 31<sup>st</sup> March 13</p></td><td><p>Total 107,335 Successful 94,354</p></td></tr><tr><td><p>1<sup>st</sup> April 13 to 31<sup>st</sup> March 14</p></td><td><p>Total 144,169 Successful 126,904</p></td></tr></tbody></table><p> </p><p>Source:</p><p> </p><p>The data is from the Pension Tracing System</p><p> </p> answering member constituency Thornbury and Yate answering member printed Steve Webb question first answered 07/05/2014 12:00:00 answering member 220 label Biography information for Steve Webb
tabling member	3949 label Biography information for Gregg McClymont

49010

registered interest
date	29/04/2014
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	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what estimate he has made of the cost to the average UK saver of delaying the pensions charge cap from April 2014 to April 2015.
tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
tabling member printed	Gregg McClymont
uin	197020
answer	answer is ministerial correction date of answer 07/05/2014 answer text <p /> <p /> <p>There has been no delay to the default fund charge cap. The Government has announced that it will put in place a charge cap set at 0.75% of funds under management for the default funds of all schemes used for automatic enrolment from April 2015. This means we will deliver on the timetable in our consultation document to have a full cap for all qualifying schemes in place by April 2015.</p> answering member constituency Thornbury and Yate answering member printed Steve Webb question first answered 07/05/2014 12:00:00 answering member 220 label Biography information for Steve Webb
tabling member	3949 label Biography information for Gregg McClymont

47365

registered interest
date	07/04/2014
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	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what estimate he has made of the minimum income per annum required during an individual's working life to prevent the need to claim means-tested benefits in retirement.
tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
tabling member printed	Gregg McClymont
uin	195426
answer	answer is ministerial correction date of answer 10/04/2014 answer text <p /> <p /> <p>No such estimate has been made.</p><p> </p><p>The single-tier pension will be set above the level of the Standard Minimum Guarantee for a single person. This means that for people reaching State Pension age from April 2016 onwards, anyone who has built up 35 qualifying years through National Insurance contributions and credits should have an income above the level of the basic means test, regardless of how much they earned during their working life.</p><p> </p><p>Some pensioners will still require means-tested support, and at a given level of retirement income an individual's eligibility will depend on a number of factors. These include the level and nature of their housing costs, whether they are single or in a couple, whether they have additional needs associated with caring or severe disability and whether they reached State Pension age before or after the introduction of the single-tier pension.</p><p> </p><p>Whether or not a particular salary level in working life would lead to an income in retirement that is high enough to avoid eligibility for any means-tested benefits will also depend on the choices an individual makes, including how much of their income to save for retirement.</p> answering member constituency Thornbury and Yate answering member printed Steve Webb question first answered 10/04/2014 12:00:00 answering member 220 label Biography information for Steve Webb
tabling member	3949 label Biography information for Gregg McClymont

46381

registered interest
date	01/04/2014
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	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what steps he plans to take to prevent private sector companies providing incentives for their employees to switch from defined benefit to defined contribution pension arrangements.
tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
tabling member printed	Gregg McClymont
uin	194801
answer	answer is ministerial correction date of answer 07/04/2014 answer text <p /> <p /> <p>We already have powers in place to legislate to ban cash incentive transfers. The incentive exercises code of good practice was created in 2012, and set out seven key principles that pension providers and their advisers must adhere to if they wish to offer their members incentives, including ensuring that members are given sufficient information to enable them to make an informed decision.</p><p> </p><p>A large number of providers and independent financial advisers have signed up to the code, delivering a prompt solution to address this issue. The Government would encourage all providers to comply with the code.</p><p> </p><p>Following the Budget announcement HM Treasury are currently running a consultation, “Freedom of Choice in Pensions” where it is considering whether people with a defined benefit pension should be allowed to transfer their accrued benefits into a defined contribution scheme. The outcome of this consultation will inform our thinking on what additional action, if any, the Government should take to restrict or ban pension providers from offering incentives</p> answering member constituency Thornbury and Yate answering member printed Steve Webb question first answered 07/04/2014 12:00:00 answering member 220 label Biography information for Steve Webb
tabling member	3949 label Biography information for Gregg McClymont

45172

registered interest
date	26/03/2014
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	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what the upper limit will be of the amount of state pension top-up people can buy.
tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
tabling member printed	Gregg McClymont
uin	193915
answer	answer is ministerial correction date of answer 31/03/2014 answer text <p /> <p /> <p>As announced in the Budget 2014, the maximum amount of additional State Pension that individuals can obtain under the State Pension top-up scheme (Class 3A) will be £25 per week. We intend to make details available shortly of the contribution rates by age for each £1 per week of additional pension.</p> answering member constituency Thornbury and Yate answering member printed Steve Webb question first answered 31/03/2014 12:00:00 answering member 220 label Biography information for Steve Webb
tabling member	3949 label Biography information for Gregg McClymont

45173

registered interest
date	26/03/2014
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	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what estimate he has made of the cost to the public purse of the top-up of state pensions for each of the next 20 financial years.
tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
tabling member printed	Gregg McClymont
uin	193916
answer	answer is ministerial correction date of answer 31/03/2014 answer text <p /> <p /> <p>Estimates were made of both the future AME expenditure and the revenue from contributions in 2015-16 and 2016-17 which would determine future state pension expenditure levels. Estimates made by the Department were certified by the Office for Budget Responsibility. Figures for the medium term impacts in cash terms were published on page 46 in Budget 2014: policy costings available at:</p><p><a href="https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/295067/PU1638_policy_costings_bud_2014_with_correction_slip.pdf" target="_blank">https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/295067/PU1638_policy_costings_bud_2014_with_correction_slip.pdf</a> .</p><p> </p><p>Further information on the long-term Exchequer impact in 2013-14 price terms is included in the table below. As noted in the policy costings document, there is uncertainty about levels of take-up of this policy. If take-up was higher than assumed both AME and Revenue would increase and if take-up was lower than assumed then both would decrease.</p><p> </p><table><tbody><tr><td><p> </p></td><td><p>AME</p></td><td><p>Revenue</p></td></tr><tr><td><p>2014-15</p></td><td><p>0</p></td><td><p>0</p></td></tr><tr><td><p>2015-16</p></td><td><p>-15</p></td><td><p>+415</p></td></tr><tr><td><p>2016-17</p></td><td><p>-50</p></td><td><p>+410</p></td></tr><tr><td><p>2017-18</p></td><td><p>-65</p></td><td><p>0</p></td></tr><tr><td><p>2018-19</p></td><td><p>-65</p></td><td><p>0</p></td></tr><tr><td><p>2019-20</p></td><td><p>-60</p></td><td><p>0</p></td></tr><tr><td><p>2020-21</p></td><td><p>-60</p></td><td><p>0</p></td></tr><tr><td><p>2021-22</p></td><td><p>-55</p></td><td><p>0</p></td></tr><tr><td><p>2022-23</p></td><td><p>-55</p></td><td><p>0</p></td></tr><tr><td><p>2023-24</p></td><td><p>-55</p></td><td><p>0</p></td></tr><tr><td><p>2024-25</p></td><td><p>-50</p></td><td><p>0</p></td></tr><tr><td><p>2025-26</p></td><td><p>-45</p></td><td><p>0</p></td></tr><tr><td><p>2026-27</p></td><td><p>-45</p></td><td><p>0</p></td></tr><tr><td><p>2027-28</p></td><td><p>-40</p></td><td><p>0</p></td></tr><tr><td><p>2028-29</p></td><td><p>-40</p></td><td><p>0</p></td></tr><tr><td><p>2029-30</p></td><td><p>-35</p></td><td><p>0</p></td></tr><tr><td><p>2030-31</p></td><td><p>-35</p></td><td><p>0</p></td></tr><tr><td><p>2031-32</p></td><td><p>-30</p></td><td><p>0</p></td></tr><tr><td><p>2032-33</p></td><td><p>-30</p></td><td><p>0</p></td></tr><tr><td><p>2033-34</p></td><td><p>-25</p></td><td><p>0</p></td></tr></tbody></table><p> </p><p>Notes to table: Figures are in £m, 2013-14 price terms, rounded to nearest £5m.</p> answering member constituency Thornbury and Yate answering member printed Steve Webb grouped question UIN 193926 question first answered 31/03/2014 12:00:00 answering member 220 label Biography information for Steve Webb
tabling member	3949 label Biography information for Gregg McClymont

45377

registered interest
date	26/03/2014
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	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, how many people received face to face guidance from the Pension Advisory Service in each of the last five years.
tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
tabling member printed	Gregg McClymont
uin	193944
answer	answer is ministerial correction date of answer 01/04/2014 answer text <p /> <p /> <p>The Pensions Advisory Service provides information and guidance over multiple distribution channels including by telephone, web chat, online and written enquiries and face to face via outreach activity. The outreach activity includes shows, forums and similar events. All guidance is tailored to the individuals' personal circumstances.</p><p> </p><p>The data for the last five years are set out in the table below:</p><p> </p><table><tbody><tr><td><p>Year</p></td><td><p>2009/2010</p></td><td><p>2010/2011</p></td><td><p>2011/2012</p></td><td><p>2012/2013</p></td><td><p>2013/2014</p></td></tr><tr><td><p>Helpline customers</p><p>Includes calls, online enquiries, webchats and 1<sup>st</sup> party complaints</p></td><td><p>99,663</p></td><td><p>87,712</p></td><td><p>93,505</p></td><td><p>84,228</p></td><td><p> </p><p> </p><p> </p><p> </p><p>76,348 (as at 28th February)</p><p> </p><p> </p></td></tr><tr><td><p>Outreach work</p></td><td><p>6,457 people spoken to at TPAS events/presentations</p></td><td><p>7,577</p></td><td><p>3,786</p></td><td><p>1,091</p></td><td><p>1,400 estimate to date</p></td></tr></tbody></table><p> </p><p> </p> answering member constituency Thornbury and Yate answering member printed Steve Webb question first answered 01/04/2014 12:00:00 answering member 220 label Biography information for Steve Webb
tabling member	3949 label Biography information for Gregg McClymont