Kirsty Blackman
MP for Aberdeen North · Scottish National Party · United Kingdom
“I first raised the issue of self-generated images in Parliament more than four years ago. I have asked almost every single Culture, Media and Sport team about the issue of livestreaming. I am pleased to hear from the Secretary of State that action is being taken, and about the belt-and-braces approach that is coming in.”
“Labour promised £200 million for Grangemouth, none of which has materialised. Labour promised 1,000 jobs for GB Energy, and it turns out that a third of the 130 delivered so far are not actually in Scotland.”
“There is a geographical divide on this issue starker than I have ever seen in this place. Across all parties, every Member representing a Scottish constituency has stressed the issue of jobs, and how important this is to the north-east of Scotland.”
“There is a fundamental question here about what our priority is. Is it to reduce the bill, to reduce the amount of money that we are spending, or to ensure that disabled people can access all the human rights that the rest of us can, access society and be supported? We must recognise the extra costs of disability. What is the priority?”
“May I continue to encourage the Minister to talk to Social Security Scotland and our colleagues in the SNP Government about their experiences of the adult disability payment and whether the changes that have been implemented in Scotland would make a positive difference to those claiming PIP?”
“I will point out where things are today and how we can improve them, rather than looking at what was done in the past, but first, I recognise that although Pride is about celebration, it is also about being angry. We should be angry about the injustices.”
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“Terry Monk: I cannot remember what it is, but the average FAS member’s pension is something in the order of £4,000 or £5,000 a year, and if you look at the steelworkers, because they are our example, it is those sorts of guys. I worked in the City. I had a different job, but the majority of the people in the scheme had good benefits and good salaries but their pensions were important and they reflected the role they had in their life. I am not sure off the top of my head, but I think the average of the FAS pension is £4,500—some more, some less, obviously. I want to make a point that I think Roger mentioned: at one stage, we were not at the table to talk as part of the pensions Bill. We lobbied hard.”
“Q Thank you very much for all your hard work on this, for your passion and for how articulate you are, particularly for those people that cannot be there and cannot make the case themselves. I really appreciate it. I absolutely agree with what you are saying on indexation; I think it is incredibly important. You were talking about the people that would benefit from these changes. Are they overwhelmingly well-off people, or are they people that are really struggling because of the lack of indexation, and who would therefore be more likely to spend the money and to grow the economy by spending their money, if the Government are worried about balance sheets? Roger Sainsbury: I have to say that there is a great range.”
“Q I have two questions. If the Minister could just answer “yes” to the first one, that would be great. The Regulatory Policy Committee has said in its assessment of the impact assessment that the monitoring and evaluation plan is weak—it has used that word. It has said that more detailed plans are needed on monitoring and evaluation, outlining success metrics, reporting requirements and methodologies. Will the Minister commit to considering those and to updating us during the course of the Bill Committee about when monitoring might happen? Torsten Bell: I am happy to take that away. Obviously, the monitoring will need to be different for different parts of the Bill, which are on different timelines.”
“I definitely recognise that there is a large number of amendments. It is not unprecedented—the Procurement Act 2023 had 350 Government amendments, and 155 on Report.”
“Q The other question is in relation to the fact that there are 273 amendments—240 normal amendments and 30 new clauses—which we got yesterday. I have raised my concerns with the Minister privately about this, but I want to say publicly that this is a really big issue. It is very difficult for us to read 273 amendments in 24 or 36 hours, and to be able to make sense of the Bill. Does the Minister understand that this is an awful lot of amendments to be dumping on Committee members, and that it might make the line-by-line scrutiny significantly longer as we try to work out what the Bill will look like? The one that we discussed on Second Reading is very different in some areas from the one that the Government are now proposing. Torsten Bell: Let me address that in two minutes before the Chair cuts us off.”
“I was on that one as well. Torsten Bell: We have all made life choices. The thing that I am trying to avoid—and the reason why there are so many at this stage—is what has happened with other Bills, such as the Data Protection and Digital Information Bill in the last Parliament. I do not want to table loads of amendments on Report, after the line by line. That is the alternative. This is a very large Bill. The number of amendments, in part, reflects the fact that everyone has signed up to a Bill that is complicated and very large. My judgment was that it is right to get as many of those amendments down now, so that you have them for line by line. Also, I have gone out of my way over the last 24 hours to spell out to you all where the major changes are. The substance and the purpose of the Bill have not changed.”
“If the Government amendments in relation to the local government pension scheme go through, I have an interest as I am a deferred member of a local government pension scheme in Scotland.”
“With master trusts, commercial schemes and superfunds, if pension schemes could be run for the benefit of the employer by taking surplus, that gives rise to a different relationship and potential conflicts. The Pensions Regulator needs to be alive to that. In any case, TPR is becoming more like the FCA and the Prudential Regulation Authority as a regulator, and I think that needs to continue.”
“Q There is a question around surplus release, and the power of trustees in relation to surplus release. It makes sense that there should be surplus release, but trustees may feel under pressure from employers to release the surplus when it might not be the right thing for scheme members. Do you think the Bill has got that balance right? How can that be monitored to ensure that trustees are not pressured when it is not the right thing for scheme members? Rob Yuille: The most important thing is that trustees do have the power that is in the Bill—that power should stay there. Conflicts of interest were mentioned earlier; it is interesting what surplus release could do to make occupational schemes more like commercial schemes.”
“I think what the Bill is essentially trying to do is use the power of scale and collectivism to get better returns and, really, a better service for most savers.”
“Do you feel that some scheme members feel that they should have more influence over what trustees do and the direction of travel? Charlotte Clark: It is a good question. It is hard to get over the fact that the vast majority of people are very inert in the pension system. Of course, there are some who are not, specifically around ESG—environmental, social, and governance—investments, but most trustees take those things into account, and there has been clarification about how that aligns with things like the fiduciary duty. Obviously, within the contract-based scheme, there frequently are options, if somebody does not like something that is invested in within the default, to have their own investment strategy, if that is what they choose to do. Do I think this Bill changes that? I do not think so.”
“Q I have a question about the balance of decision making. Trustees are obviously required to steward and grow assets on behalf of scheme members. This Bill slightly changes the priorities in relation to value for money. There is potential for future mandation, in that it basically allows the Government, or the regulators, more say in what direction trustees are taking. In practice, it is relatively difficult for scheme members to influence decisions that trustees take. My reading of the Bill is that it does not increase scheme members’ power over the direction. For example, if they wanted to disinvest in something, or if they felt strongly about investing more in UK assets, they will not have any more power to do that. Am I correct in my reading of that?”
“Q Do the majority of trustees already take into account what they think scheme members would think about certain investments anyway, or about ESG, for example? Charlotte Clark: Almost certainly.”
“Scotland is the only part of these islands where child poverty is falling, as a result of the Scottish child payment and the mitigation of the bedroom cap. When will the Labour Government move from empty words to actual action to take children out of poverty?”
“We have a responsibility to deal in the truth and to counter plainly false narratives. The Minister talked about the fact that this protest crossed over into mindless thuggery. Every one of us should stand up here and say that to our constituents or to anyone who gets in touch. People are spreading rumours that have no basis in the truth, including in my constituency, where last year a rumour went around about asylum seekers in hotels. It had absolutely no basis in the truth, but could have caused some sort of mob, like in Epping. This is dog-whistle politics. What is the Minister doing to tell people that, just as not everybody in any community in our country is a rapist, not everybody in migrant hotels is a rapist? We should do what we can to ensure that people are protected and decisions are made as quickly as possible.”
“Is it to make the assessment process more humane so that people with chronic conditions do not have to fill in the same form over and over again, explaining what it is that they cannot do? Is it to reduce the number of mandatory reconsiderations? Is it to make the system better, centring it on dignity and respect? Some clarity from the Government on that would be incredibly helpful.”
“If the Minister looks on the Social Security Scotland website, he will see that it says “social security is a human right...any of us, at any time…may need this support.” We centred the decision making on dignity, fairness and respect. I am not saying for a second that the adult disability payment is perfect—there are issues with every system—but I urge the Minister to look at how it was co-produced and the lessons we learned from that when he is planning the co-production of the review of PIP assessments. I am massively concerned that we are not clear about the basis on which the Timms review is being done. What is the point of the review? I understand that it is to review the PIP assessment process—I have got that bit—but what is the Government’s aim? Is it to cut billions of pounds from the PIP bill?”
“I had hoped that they would actually deliver for some people—for disabled people and those the Tories spent 14 years marginalising—yet they are choosing to make the easy cuts that affect disabled people. I do not think those are the right cuts to make. I agree entirely with my Green colleague, the hon. Member for Brighton Pavilion (Siân Berry), who suggested that there are much better ways of balancing the Budget. The fiscal rules are self-imposed, anyway. To look at some of the specific issues with the Bill, I agree with the hon. Member for Brighton Pavilion in relation to the essentials guarantee and amendment 39. Making people poorer will not magically improve their health. I fully agree with new clause 11 on co-production, and I urge the Minister to take action on that. In Scotland we have created the adult disability payment.”
“It is unfortunate that disabled people need to come together in a group to fight what is supposed to be a Labour Government. Given the change promised by Ministers, that first change should not have been to attack older people by cutting the winter fuel payment. The Government have also refused to take action on child poverty by bringing forward the child poverty strategy, and now they are balancing the Budget by cutting money from disabled people. This is not the Labour party that I wrote about in my history Highers—I wrote about the rise of the Labour party, what it was founded on, and how the whole point of it was about supporting people and the principles of the left. This is not what I imagined a Labour Government would look like.”
“We are at a really interesting point with this Bill: a year’s worth of politics happened last week, and it feels like there is more to come. Like the Chair of the Work and Pensions Committee, the hon. Member for Oldham East and Saddleworth (Debbie Abrahams), I begin by thanking all the disabled people’s organisations who have worked incredibly hard and assisted us in winning some concessions. No matter where we end up, they should be incredibly proud of the work they have put in, as should the disabled people already receiving PIP and the universal credit limited capability for work element who have continued to fight on behalf of future claimants even though they have no selfish need to do so. That shows the strength of the community and the amount that disabled people care for each other.”
“If that is not the case, we need a clear explanation about that from the Minister. I cannot find the need for a condition to apply “constantly” in previous legislation. It seems to me that this is a new addition.”
“The UK Government have decided not to give the Bill a proper Bill Committee, where we would have asked these questions, hashed this out and got that level of clarification, and people are really scared. As the Minister will know, a significant number of amendments have been tabled on these conditions, from parties across the House. Concerns have been raised, because schedule 1 to the Bill states: “A descriptor constantly applies to a claimant if that descriptor applies to the claimant at all times or, as the case may be, on all occasions on which the claimant undertakes or attempts to undertake the activity described by that descriptor.” So if one of the descriptors is about being able to get around or being able to wash yourself, that paragraph says that the descriptor must apply “constantly”.”
“I think we should hear from the Minister whether he will be trying to save money or putting dignity, fairness and respect at the heart of the decision-making process and ensuring that co-production happens with that. I have some questions about the severe conditions criteria. I am concerned because the Bill’s wording is different from what the DWP has been putting out in press releases. Press releases such as the one quoted today in The Guardian have been saying that people with fluctuating conditions will be eligible under the severe conditions criteria. However, the Bill says that a claimant would need to have a condition “constantly”. The Minister needs to give an explicit commitment from the Dispatch Box.”
“I thank the hon. Member for clarifying that. It would be great if the Minister could clarify from the Dispatch Box that there is no requirement on him or his review to save money. If the hon. Member can give that commitment on behalf of the Minister, that is great, but has the Treasury asked the Minister to reduce the bill? If the terms of reference say, “We do not want money to be saved,” that is grand, but I could not find that in the terms of reference. I would like to hear from the Minister on whether he has been asked to save money through the review. Disabled people looking at this have already been terrified by the Government’s actions and their “Pathways to Work” Green Paper.”
“No! The Timms review is about personal independence payment; I am talking here about are the descriptors relating to limited capability for work—they are totally different things. I do not understand how the Timms review could possibly cover this paragraph, because it is about personal independence payment and the assessment process for that. If it is covered by the Timms review, why have the Government not removed it from the Bill? Why is there not a clause in the Bill right now that removes the severe conditions criteria and that specific paragraph?”
“I agree with colleagues who have said that 750,000 people are expecting to lose money as a result of this. As one of my Labour colleagues, the hon. Member for York Central (Rachael Maskell), has said, this is still £2 billion of cuts on disabled people that the Labour party has chosen to make, or that is what it says in the impact assessment. It has chosen to make that cut to 750,000 people, asking itself, “Where can we make £2 billion of cuts? I know, let’s do it to disabled people.” We could have an additional £2 billion in taxes on the very richest people who do not rely on that money for the everyday items that they desperately require.”
“That clear information from the Dispatch Box is what I was asking for. Hearing that will give people a lot of comfort. As the Minister is aware, a commitment from the Dispatch Box will be looked at when it comes to any sort of legal challenge in relation to the descriptors. If people are not asked if they can or cannot do something reliably on other days, I will expect disabled people’s charities to use the Minister’s comment from the Dispatch Box when they bring mandatory considerations or challenges to say, “The Minister was utterly clear that I have answered the question correctly, in line with the legislation.” I encourage them to do so. Given the way the legislation is written, I will still not support the severe conditions criteria and the cut.”
“They wish that those on the Government Front Bench had not put this forward and that they were not in the position of having to pick a side, because it should never, ever have come down to a Labour Government choosing to make cuts on older people, children in poverty and disabled people as their first matter of business.”
“The hon. Member has been a real champion for her constituents in this and she is absolutely correct: this is not the first place that I would expect any MP to look to save money, and especially not the first place where I would expect a supposedly progressive Government to look to save money. I am deeply disappointed that we have ended up in this situation and unlike what was said before, I do not think there are victorious faces on the Back Benches. I think people on the Government Benches are absolutely heartsick, no matter what side of this debate they are on.”
“The hon. Gentleman mentioned the NHS and waiting lists. Does he share my concerns about the severe conditions criteria and the requirements for the diagnosis to be made by an NHS professional, in the course of NHS duty, when people may not have access to that? There is also a requirement for the condition to be considered “lifelong” by NHS professionals or health professionals, who may be unwilling to say that schizophrenia or bipolar disease, for example, are “lifelong” because they do not want to tie people down to that diagnosis.”
“Obviously that can happen only where there are surplus funds, and there may not be surplus funds in all circumstances. I just want to give the Minister a heads-up in relation to the questions about employee benefits. It would be useful in Committee to have more information about the Government’s analysis of how many of these surplus releases will directly benefit the employees rather than the employers. I understand that the Government, with their mission for growth, want investment in growing the company as well, but what kind of split does he expect to see? I do not expect an answer to that today.”
“On auto-enrolment, the other missing group is those aged under 22. Auto-enrolment seemed to be set up with the view that people would go to university before entering the jobs market, but that is not the case for many people. It is possible that starting auto-enrolment earlier would mean much more adequate pension pots for people, because the earlier they save, the bigger their pot grows by the time they reach retirement.”
“It is completely acceptable for the Government to give some direction on the largest assets, but I am specifically not talking about the LGPS, because it does not exist in Scotland. That part of the Bill does not apply to my constituents, so I will not touch too much on that.”
“I start with an apology to the Minister, because I had a bit of a giggle when the timeline for pensions dashboards was mentioned. I have been here quite a long time, and I feel like we have been talking about pensions dashboards for that entire time. It has been suggested that they are just around the corner for most of the last 10 years. It feels like this is something that we rehash on a regular basis. It would be great if they really were just around the corner; I look forward to seeing them. The right hon. Member for North West Hampshire (Kit Malthouse) will not be surprised to hear that our political ideologies are slightly different when it comes to interventionism and what the Government should or should not do.”
“On the whole, the SNP is cautiously optimistic about the Bill. We believe there need to be some changes and we have specific questions in various areas, such as: on the rationale in relation to mandating; on the rules on value for money and how they will impact individuals; and on the consolidation of small pots and how they will ensure individuals have better outcomes. It is not in the Bill, but ensuring the pension dashboard happens so that people can see the consolidation of small pots happening in real time would be incredibly helpful. The best outcome we can get is for everybody to have an adequate pension when they reach retirement. We will not get that if people cannot see and cannot understand what they have in their pensions and if those small pots are not consolidated.”
“Organisations likely to meet superfund status at some point, given a certain amount of time, will be given slack until they can reach that status, which is utterly sensible. But then it talks about new entrants coming in to become a superfund. There is a pathway and the ability to get approval to do that, but only if they are innovative. I am slightly concerned about what innovative means, because it is not defined—I think it will be defined in secondary legislation. Why should they be innovative? Surely, if a new entrant is excellent, that should be enough? Innovative concerns me. I do not really understand what it means, or why it is in the rules for new entrants. Anything the Government can say to explain what they think that is supposed to mean, and what they intend it to mean in the secondary legislation, would be helpful.”
“It would be appreciated if we could be involved in the creation of that guidance, or at least be consulted on what it is supposed to look like. On megafunds, there is a bit of a “wait and see” on what megafunds, both master trusts and the superfunds, will look like and how they will pan out. I can understand looking at other places the Government consider to be successful in how pension funds are managed and the very large investments that could be created as a result of huge funds. I appreciate that overheads can be reduced and that funds can be run more efficiently as a result, and that investments can be made into very large, long-term patient capital projects if the fund is significant. My specific question on superfunds is about new entrants to the market. The Bill states that there is an ability for transitions.”
“I press the Minister on the balance between the economic growth mission and what employees will get as a result of surplus release. I am pleased to hear that trustees will have some flexibility, but I am concerned that that creates a system with a number of tiers, because it depends on how passionate the trustees are about helping the employees or helping the Government’s growth mission. I would ask for some guidance from the Government about what they expect. When they are making that deal with employers, they have to agree with the employer where that money will go—how much of the money will go to increasing the pension pots and how much into people’s salaries. There will need to be a significant amount of guidance for trustees on where the Government expect money to go.”
“Any kind of understanding people can be given about that is really important. I do still have concerns about some of the issues with freedoms and how financially disadvantageous it can be for a significant number of people. I agree with some of the stuff on the consolidation of small pots. I have a concern about the fact that the Secretary of State or the Minister can make changes to the definition of small pots by looking at some consultation and then bringing a statutory instrument to the House. I would appreciate some clarification, and agreement that the Minister will consult pretty widely before taking a decision about changing the definition of small pots in secondary legislation. On surplus release, I would disagree with a chunk of the Conservative Members who would use it for slightly different things.”
“On guided retirement, again I think the Bill tackles the issue pretty well by ensuring that people have more information. I am particularly concerned about the people who draw down the 25% tax-free sum of money, and then do not have a plan for the rest of it. How many of them have just thought about the 25%, and have not thought about the rest of it, or about how complicated and unpredictable annuities can be depending on the year? I am thinking about somebody I know who does not smoke or drink and runs 10 km a couple of times a week, but they will get a smaller annuity than somebody who does the opposite. Do people know how unpredictable it is—how much they will get and the fact that they cannot tell from what the pot looks like the actual outcome to cover their living expenses?”
“I agree that people should be sent an appointment for a mid-life MOT, in the same way as they are asked to get their bowel cancer screening sent through the post. It should be exactly the same with a mid-life MOT, which is so important, but so many people duck and dive about it. Millennials are coming up to reaching this point, but millennials are a generation particularly averse to thinking about retirement, because we do not think it will happen to us. We think we will die before we get there, because there is an incredible amount of cynicism among millennials. We tend to avoid thinking about it because we are not going to reach that point, so forcing millennials—in the nicest possible way—by giving them such an appointment and making it for them means they are much more likely to undertake it.”
“I am disappointed that the Government have not made more moves on adequacy, but given where we are in the cost of living crisis, I can understand why it may be difficult to get cross-party political consensus on the creation of adequacy provisions. This Bill could have taken more of a look at pensions in general, rather than being about pensions specifically, because in a lot of ways the Bill is seeking to do is improve every individual’s pension pot’s potential for growth. That is an admirable aim, but some of the larger picture could have been included—for example, in relation to auto-enrolment, the under-22s and people earning small amounts of money who do not qualify. The right hon. Member for Salisbury (John Glen) alluded to the mid-life MOT, which I have previously shouted about.”
“I have slight concerns about the chapter on value for money because, in comparison with the small pots consolidation section, there is no requirement to publish the regulations in draft before they actually become regulations. There is a requirement for consultation, as there is in both those chapters, but not a requirement for publication in draft. I think it is important for those to be published, so the widest possible range of views can come forward, because value for money is so important for such a wide range of people, whereas some of the other stuff in the Bill is much more technical and will have an impact on far fewer people. The point about publishing the regulations in draft is important.”
“For defined-benefit schemes, the member will always get what they have been promised they will get. No matter how the fund is managed, they have a defined benefit from the scheme, unlike in a defined-contribution scheme, where it depends on the size of the pot as it grows—but I am going to carry on, because I have a lot to cover that is not to do with mandation, and as I say, the LGPS does not apply in Scotland. On value for money, I think the Bill is good, because comparing pension schemes is difficult. Comparing any financial schemes is difficult because they are all laid out in different ways and the fees are calculated in different ways, so it does not make sense to most people. Some of stuff on requiring the publication of information on value for money in certain ways is important, and the surveys are also important.”
“Auto-enrolment was a fairly substantial intervention by the Government in pensions. Since 1997, pensions have had to increase in line with inflation, and that was an intervention by the Government. There has been a long trail of interventions by the Government in how assets are managed and where they are held, but pension trustees are still required to get a return. I agree with the right hon. Gentleman about specific projects, and I would be particularly concerned if we were looking at specific projects, but the mandation relates to UK assets, and the funds in which they could be invested. I would love to see much more investment of pension funds in social housing, for example, where the trustees can get a pretty great return, but they will still have a fiduciary duty and responsibility.”
“On that note, does the hon. Member agree that we should also make it easier for people to understand what a defined-contribution scheme pot actually means for them in retirement—that is, how much income it will get them on a monthly or annual basis, rather than just, “This is the value of the pot”?”
“On the pensions review, there is a massive cross-party consensus that there is an issue with its adequacy, and we want to see it tackled. Will Ministers agree to take this forward in as cross-party a way as possible? We all care strongly about it.”
“Only 3% of women surveyed by Maternity Action had no financial worries during the course of their pregnancy. Given how awful that statistic is, will the Minister commit to listening to people with lived experience and co-producing the outcomes of the review with them?”
“The Government need to reprioritise and to rethink. They need to listen to disabled people and to understand the impact that this will have on their lives.”
“A two-tier system is being put in place. Also, as the hon. Member for Strangford (Jim Shannon) has said, there are major issues with the proposals on severe conditions in relation to limited capability for work. It is clear that the Secretary of State does not know what it says in the Bill. The Bill says that the descriptor must apply “at all times” for the claimant to be classed as meeting the severe conditions criteria. If I cannot do something 95% of the time, but 5% of the time I can, I will not be considered to have a severe condition. Unless the Government promise to make changes to this, the severe conditions criteria will apply to hardly anybody. People with Parkinson’s, ME or MS, for example, and who have recurring or remitting conditions will really struggle to claim this benefit.”