Stephen Lloyd debates involving the Department for Work and Pensions during the 2017-2019 Parliament

Oral Answers to Questions

Stephen Lloyd Excerpts
Monday 13th November 2017

(8 years, 3 months ago)

Commons Chamber
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David Gauke Portrait Mr Gauke
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We sometimes hear enough fake news in this Chamber, but it is disappointing to see the former leader of the SNP employed by a purveyor of fake news, even if we welcome employment opportunities in the round.

Stephen Lloyd Portrait Stephen Lloyd (Eastbourne) (LD)
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T9. Universal credit is proving to be a real challenge for self-employed people as it fails to account for fluctuations in income from one month to another, meaning that many are losing out on hundreds of pounds of benefits. This is totally counter to the aspirational vision of universal credit that the Government preach, so will the Minister commit to immediately reviewing the benefit’s suitability for the self-employed and fixing this anomaly?

Damian Hinds Portrait Damian Hinds
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On the contrary, universal credit specifically responds each month to what a person’s earnings have been in that month. That is at the heart of its design. We want to help people in self-employment to grow their earnings and to ensure that they have sustainable remunerative work, so we have introduced a programme within the new enterprise allowance to help people to do just that.

Universal Credit Roll-out

Stephen Lloyd Excerpts
Tuesday 24th October 2017

(8 years, 3 months ago)

Commons Chamber
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Debbie Abrahams Portrait Debbie Abrahams
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No, I do not.

It is so important to stress that half of those in rent arrears under universal credit entered arrears after making a claim. We know that one in four is waiting more than six weeks, and one in 10 is waiting more than 10 weeks.

Stephen Lloyd Portrait Stephen Lloyd (Eastbourne) (LD)
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There are 1.5 million people on housing benefit in the private rental sector, and private landlords do not have the flexibility or even the patience of housing associations and councils. Does the hon. Lady agree that if 50% of the 1.5 million people who will ultimately be on universal credit lose their homes, it would be an absolute catastrophe?

Debbie Abrahams Portrait Debbie Abrahams
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We know the real issues involved in the housing crisis at the moment, so the hon. Gentleman makes a very fair point.

The Government claim that the purpose of making payments once a month in arrears is to mimic the world of work, but that is not the case. Data published just yesterday by the Office for National Statistics shows that a quarter of the lowest-paid—those most likely to be on universal credit—are paid every week or fortnightly. As my hon. Friend the Member for Wirral West (Margaret Greenwood) has said, given that nearly 400,000 more people are due to go on to universal credit over the winter, at this rate 80,000 people will be waiting more than six weeks for a payment, with 40,000 people waiting more than 10 weeks for their first payment.

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Lord Harper Portrait Mr Harper
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What I was going to come to was why I do not think it is right to pause the roll-out. One of the important aspects of the roll-out is the housing portal which will enable social housing landlords in the first instance to communicate with the Department to deal with tenants when there are rent issues. If we were to pause the roll-out, the Department would not have an opportunity to deal with the real issues that are raised, and to fix them.

Stephen Lloyd Portrait Stephen Lloyd
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Will the right hon. Gentleman give way?

Lord Harper Portrait Mr Harper
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I am going to make some progress. I have only a couple of minutes left.

The Minister has been very clear today, and, like the Secretary of State last week, he has listened carefully to the issues that have been raised and, I think, has dealt with them. If we just paused, we would not have the opportunity to deal with any of those issues.

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Kelly Tolhurst Portrait Kelly Tolhurst
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My hon. Friend raises an important point, which serves to show that there are some inconsistencies in the Opposition’s argument against universal credit.

The Government are doing a gradual roll-out, so that testing can take place, and they are then able to modify the implementation based on what is learned from the experience of the practical implementation of the scheme. As Ministers have made clear, claimants who cannot afford to wait can get advances up front. These payments are made straight away. The Opposition are irresponsibly scaremongering in an attempt to frighten existing and potential claimants, and trying to negatively portray the universal credit system as a bad thing, rather than talking about the benefits to the people of this country.

Stephen Lloyd Portrait Stephen Lloyd
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Will the hon. Lady give way?

Kelly Tolhurst Portrait Kelly Tolhurst
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I will not give way at the moment.

The Opposition are scaremongering rather than talking about the benefits of universal credit in helping people move into work and making it easier for claimants in the long run. Universal credit is a good step forward in how benefits are delivered to the people who need them. Claimants who need these advance payments because of their particular circumstances will receive advances within five days, which is quicker than for new claimants applying for the old jobseeker’s allowance.

Universal Credit Roll-out

Stephen Lloyd Excerpts
Wednesday 18th October 2017

(8 years, 3 months ago)

Commons Chamber
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Iain Duncan Smith Portrait Mr Duncan Smith
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I apologise, but I am about to conclude.

Universal credit is the single biggest change to the welfare system. Those who care about it know that it is capable of dramatically changing lives for the better. My party should be proud of it. I will therefore not support the motion because it intends to stop the roll-out and damage universal credit for short-term political reasons. We should resist that, ask the Secretary of State to make the changes, but not stall the roll-out because universal credit changes lives and delivers an improved quality of life to thousands of people.

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Heidi Allen Portrait Heidi Allen (South Cambridgeshire) (Con)
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I am fortunate to have served on the Work and Pensions Committee since my election in 2015, and that has given me a really detailed understanding of universal credit. To reiterate my question to the Prime Minister last week, I believe that universal credit will be the most significant positive transformation of the benefit system in decades. The principles of universal credit are different and the support provided by work coaches is different, but that must not detract from the concerns that I and many Members from across the House have with the design of universal credit. I am disappointed that the Government did not pause the roll-out of this service while some of the system build flaws are resolved, but the Secretary of State has already given the commencement order, and that moment has passed. There is, however, another one-month roll-out delay in January, so all eyes will be on that.

I want to focus my efforts now on convincing Ministers that there are easy and relatively inexpensive ways of improving the design. I wish to put on record my thanks to the Prime Minister for meeting me and colleagues yesterday afternoon to hear our proposals. We were joined by the Secretary of State, and I am positive that we were genuinely listened to and that there was a shared determination to make improvements.

The biggest single criticism of universal credit is the time it takes for people to receive their first payment. Although I appreciate the announcement that advance payments will be made available to all, it is clear to me that, as the number of people requesting these is already rising, it must mean that the inbuilt six-week wait does not work. If we want universal credit really to replicate the world of work, payments must be built around a four-week cycle. Removing the initial seven-day wait must be the very least we can do. At a minimal sum of £150 million to £200 million a year, this would be an inexpensive fix that would benefit all claimants.

Rather than developing another system to prop up a flawed system, let us stop convincing ourselves that advance payments are the answer. Of course there will always be vulnerable claimants who will need financial support today, and, for them, advance payments have an important role, but if, today, more than 50% of claimants have taken up an advance payment—that is before the Secretary of State has said he will advertise them more widely—we must accept that there is a reason that that percentage is so high. Let us stop administering and paying out advance payments hand over fist and reduce the default waiting time for all awards to fortnightly payments at two and four weeks from the moment of a claim. Let us keep paying fortnightly until the work coach and claimant together decide that being paid monthly is okay, and let housing payments go direct to landlords. That would dramatically reduce the number of families going into rent arrears, turning to food banks and spiralling further into debt.

Having discussed this personally with the Prime Minister—I would appreciate another 20 seconds if somebody could give me some time, please. Will anybody intervene? No.

Stephen Lloyd Portrait Stephen Lloyd
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rose

Heidi Allen Portrait Heidi Allen
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I give way to the hon. Gentleman.

Stephen Lloyd Portrait Stephen Lloyd
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I thank the hon. Lady for giving way. I concur with a lot of what she is saying. Like many Members on both sides of the House, does she agree that the principle of universal credit can work if those two or three key changes are made? Without those changes, it will collapse.

Heidi Allen Portrait Heidi Allen
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I appreciate the hon. Gentleman’s intervention. I agree that we risk undermining the success of the system if we do not get these basic things right.

Having discussed this matter personally with the Prime Minister yesterday, it is probably too ambitious to expect a response just yet, but I am confident that she will consider our proposals. Why? Because as well as being the smart thing to do, it is the compassionate thing to do.

Two years ago, almost to the day, I made my maiden speech:

“a country and its economy does not function…if the people who run the engine cannot afford to operate it. We need every teaching assistant, care worker, cleaner and shop worker”—[Official Report, 20 October 2015; Vol. 600, c. 874.]

to secure our economic future. With Brexit looming, the call could not be more clarion than it was when I said it two years ago. To pull ourselves out of debt, we should not be forcing working families into it.

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Stephen Lloyd Portrait Stephen Lloyd (Eastbourne) (LD)
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This has been an important and interesting debate on an important issue, and I thank the hon. Member for Oldham East and Saddleworth (Debbie Abrahams) for bringing it to the House. I have been listening to speeches from both sides of the House for hours, and people from both sides have been constructive in their comments. Like many, I believe that universal credit could be a tremendous benefit—I supported it years ago—but unless the Government fix some remaining issues, it will fail.

First, I was disappointed that the then Chancellor took £3 billion from the universal credit budget shortly after the 2015 general election, meaning that work does not pay anymore. It may pay a tiny bit, but the original concept was that work really would pay. I urge the Secretary of State and the Government to put that money back into universal credit.

Secondly, the right hon. Member for Chingford and Woodford Green (Mr Duncan Smith), a former Secretary of State, said that the Joseph Rowntree Foundation has supported universal credit. I was a bit surprised by that, so I did a quick check. The JRF actually said that it would support universal credit if it was properly funded—I just mentioned the £3 billion—and if payment and waiting times were reduced, which is exactly what many people have been saying today.

I have one final point to make in the limited time available to me. We have been discussing housing associations and housing benefit, but it is the private rented sector where there will be a car crash unless payments are made directly to landlords. Owing to the nature of their business models, private sector landlords will not wait two, three or four months for their tenants’ money to be paid. I urge the Government to fix those issues.

Oral Answers to Questions

Stephen Lloyd Excerpts
Monday 9th October 2017

(8 years, 4 months ago)

Commons Chamber
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Stephen Lloyd Portrait Stephen Lloyd (Eastbourne) (LD)
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T10. As universal credit comes to Eastbourne, my constituents face the double horror of a 10-week delay for their first payment and no hope of benefit increases in the years ahead. Now that the latest research published by the Joseph Rowntree Foundation warns that the benefits freeze will push a further half million people into poverty by 2020, will the Minister commit to lifting the freeze, thus avoiding the severe poverty trap that will affect my constituents and hundreds of thousands of people around the country?

David Gauke Portrait Mr Gauke
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The benefits freeze was a measure that this Government took to contribute to reducing the deficit. On the point about people having to wait 10 weeks before receiving universal credit, 80% get paid in full and on time after six weeks. The system of arrears is inherent in universal credit because the payment is based on how much a person has earned over the previous month. That has always been part of the design, and it was part of the design that, presumably, the hon. Gentleman voted for when the coalition Government passed the legislation.

Housing and Social Security

Stephen Lloyd Excerpts
Thursday 22nd June 2017

(8 years, 7 months ago)

Commons Chamber
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Sajid Javid Portrait Sajid Javid
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If the hon. Gentleman will bear with me, he will very clearly hear the Government’s track record on social housing.

This is the progress that the Government have made since we first took office in 2010: we have a resilient, growing economy; the labour market is in its strongest position for years; and the claimant count is at its lowest level for 45 years, with millions more people in work compared with 2010. That is thanks in part to our wide-ranging process of welfare reform: 520,000 people are receiving universal credit, which is helping to transform lives and to make sure that people are always better off in work than on benefits. In the past year, the number of disabled people in work has increased by more than 170,000. The Department for Work and Pensions has launched tailored support for people with a disability or ill health through our personal support package. We of course remain committed to a strong, humane welfare safety net. Every year, we spend some £90 billion supporting families, people with disabilities, jobseekers and people on low incomes. By 2020, we will have given local authorities £1 billion in discretionary housing payments for residents who need extra help.

Stephen Lloyd Portrait Stephen Lloyd (Eastbourne) (LD)
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The Secretary of State mentioned extra money for people on disability benefits. Does he agree that changing the work-related component so that from April this year people in the work-related activity group have received £30 a week less is hardly the most intelligent way to persuade disabled people to get back into employment?

Sajid Javid Portrait Sajid Javid
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Where that happens, we will compensate people in other ways and make sure that the welfare policy remains fair to everyone.

In the last year, we spent £24 billion on housing benefit, helping people to cope with the ever-increasing cost of housing.

We are not just tackling the symptoms of our broken housing market; we are taking action to fix the causes. Our housing White Paper, which was published earlier this year, set out exactly how we will go about that: releasing more land where people want to live, building the homes that we need faster, getting more companies involved in the housing market, and supporting people who need help now. The Queen’s Speech, which promises proposals to

“help ensure more homes are built”,

marks a significant step in turning that blueprint into bricks and mortar.

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Jim Shannon Portrait Jim Shannon (Strangford) (DUP)
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I congratulate the hon. Member for Berwickshire, Roxburgh and Selkirk (John Lamont) on his maiden speech. As an Ulster Scot who has a very strong relationship with those on the mainland, it is always good to have a Scottish cousin in the House. I invite him to come to Strangford—then we will see whether he still thinks he has the most beautiful constituency in the whole United Kingdom. It is a pleasure to have him in the House, and we wish him well in all that he does.

It is no surprise that the Queen’s Speech mainly included issues relating to Brexit. This is the most crucial time in recent British history for good legislation, and it is clear that there must be a focus on getting the best approach to our exit from Europe. This debate is on housing and social security, and when we talk about housing, we should also focus on where that housing is. Where we have housing we need good healthcare, so we need to ensure that there is investment in GP practices nationwide—the hon. Member for Stafford (Jeremy Lefroy), who is not currently in the Chamber, referred to the lack of investment in his area. We need to encourage young students to commit to service as a GP. We need to strengthen the ties between GPs and their local surgeries, and we can give GPs the support they need in the form of initiatives such as treating minor ailments in chemists, thereby using the available professionalism and capability to the fullest.

Returning Members will know about one of my passions in this House, and new Members will hopefully know shortly: I am well known for being the Democratic Unionist party spokesperson for human rights and for my concern about persecution throughout the world. Sadly, this has been exemplified on our shores recently with terrorist attacks against freedom and democracy—attacks on the very core of our communities. The world is changing. As chair of the all-party group on international freedom of religion or belief, I believe that understanding the religious dynamics playing out in different communities must be of the utmost importance when Her Majesty’s Government form any internationally focused policy. I appreciate that the Government are committed to that.

Some 80% of people worldwide live in countries where social hostility and restrictions on religion are high or very high. Freedom of religion or belief is a human right that is often overlooked. In 2016, nearly 90,000 Christians were killed simply because of their religious beliefs. In more than 100 countries around the world, more than 215 million Christians continue to face intimidation, imprisonment, forced conversion or assault.

Stephen Lloyd Portrait Stephen Lloyd
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Does the hon. Gentleman, like me, support Open Doors, an organisation that publicises some of the shocking discrimination and prosecutions against Christians around the world, and that urges Her Majesty’s Government to step up and make it absolutely clear that this is unacceptable, as it would be against any religion?

Jim Shannon Portrait Jim Shannon
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I agree with the hon. Gentleman that Open Doors does excellent work, and I am aware of it day to day. There are many organisations in the House, but Open Doors also takes the opportunity to stand up for and talk to people around the world.

So-called Islamic State has nearly succeeded in its attempt to eradicate the Christian communities of Iraq and Syria; the Christian population has plummeted from 1 million to 200,000 in Iraq, and from 1.25 million to 500,000 in Syria. Many Christians remain displaced and face discrimination that prevents them from gaining equal access to food, shelter, education and work. In May, 122 Christians in Eritrea were rounded up from their homes and detained, including disabled people and entire families. That escalation in the crackdown on Christians coincides with the Orthodox archbishop’s 10th year under incommunicado house arrest.

In April we saw the Russian Supreme Court’s decision to declare the Christian sect Jehovah’s Witnesses an extremist organisation, banning their headquarters and all 395 local organisations from operating and ordering their property to be seized by the state. That shows a clear escalation.

In Pakistan, only last week a Shi’ite man, Taimoor Raza, was charged with blasphemy and handed the death sentence, contrary to international law. That underlines the issues there. In Myanmar, since 2012 over 168,000 Rohingya Muslims have fled the country because of attacks by the military, including the burning of homes and the raping of women. Those are vile, evil, wicked deeds, and in some cases they are carried out by its Government.

Advancing freedom of religion or belief between faith communities helps to build tolerant and cohesive communities. I believe that it is a crucial component of Government policy, not only in preventing further violent attacks on people because of their faith, but in preventing violent extremism and achieving the sustainable development goals. There is a role to play for the Department for International Development, the Foreign and Commonwealth Office and, I believe, the Ministry of Defence. I am pleased to see the Minister for Disabled People, Health and Work on the Government Front Bench. This is not her responsibility, but I know that she will take my points on board.

The Government’s recent manifesto declared that they would

“expand our global efforts to combat…violence against people because of their faith”.

The Prime Minister has made a commitment to stand up for the freedom of people of all religions to practise their beliefs openly and in peace and safety. Perhaps the Minister responsible will clarify what those measures will be. For example, will they ensure that displaced communities in Iraq and Syria can return home safely? I offer the Government the APPG’s assistance in taking those measures forward.

As part of its membership of the EU, the UK has routinely asserted its commitment to promoting the right to freedom of religion or belief as part of its global human rights diplomacy. The UK regularly reports on its implementation of the EU guidelines for freedom of religion or belief and has made further commitments within the EU human rights framework. I ask the Minister responsible whether Her Majesty’s Government will retain the commitment to monitor and report their implementation of freedom of religion or belief through their representatives globally. I urge the Government to deepen their work with multilateral organisations such as the Commonwealth and the Organisation for Security and Co-operation in Europe.

I believe that the Government are committed to that in some of their policies, but I am seeking an assurance because it was not mentioned specifically in the Queen’s Speech, and I think it is important that we put down a marker now. There are many things that we would wish to see happen. This matter is very close to my heart, as it is to the hearts of many people across the whole United Kingdom. The fact that people are intimidated because of their religious beliefs, having to live in endangered neighbourhoods, or even killed, indicates how important this issue is.

I want to mention a few other things that also concern me. There are many aspects of Brexit that we wish to support and take forward. I commend the financial guidance and claims Bill. Age UK recently contributed to the Government’s consultation on the future of the Money Advice Service, the Pensions Advisory Service and Pension Wise. I support the proposal to create one agency, which I think would be a step in the right direction, as the Government have recognised. I also welcome the smart meters Bill, which I believe will help older people to manage their energy costs. We should support that initiative. There are many other issues that we also need to work on.

The votes are in and the Government are in place. The agreement between the DUP and the Government is not done just yet, so let us see how that goes, but we look forward to carrying out the business of this House for all our constituents in the years to come.

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Stephen Lloyd Portrait Stephen Lloyd (Eastbourne) (LD)
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I wish to associate myself with the earlier comments from the Front Benchers on the Grenfell Tower tragedy. I also wish to congratulate the right hon. Member for South West Hertfordshire (Mr Gauke) on his appointment as Secretary of State for Work and Pensions. I am glad to be back, and, as I have been appointed the Liberal Democrat spokesman on work and pensions, I shall be having numerous conversations with him. Today, there are four particular aspects of social services on which I want to focus. There is an awful lot to cover, but I shall restrict myself to four: universal credit, WRAG, WASPI and PIP.

When I was thinking of those four this morning in preparation for my speech—I was involved with all of them during the coalition, to a greater or lesser extent, often trying to improve or change things—I saw that they were shocking combinations of poor quality. Universal credit has poor-quality policy. I remember years ago, under the coalition Government, when it was first mooted, that I supported the concept of bringing all benefits together to one point of contact. That would be more sensible for the recipient. The key, though, was the taper. I was very disappointed that the former Chancellor of the Exchequer, who now edits the Evening Standard, insisted on an absolutely ludicrous taper that means that people on universal credit are barely better off in a low-paid job than they are on benefit, which defeats the whole purpose of universal credit. I look forward to the new Secretary of State using his charm with his close colleague, the current Chancellor, to get a more intelligent taper. Without that, universal credit is doomed to fail, and we all know in this Chamber the problems people already face with its delivery. The taper was bad policy.

WRAG is an acronym for work-related activity group, and is meant for disabled people who have had a disability or have had a disability for quite some time and believe that they can—and the DWP believes that they can—get back into jobs, with the correct levels of support. That is something that I am passionate about, and that I was passionate about when I was last in this House. From April this year, the Government took a decision to reduce the income of those in the WRAG by almost 30%. Anyone with any experience of disability at all will know that if someone has been disabled for quite some time, they can get out of the habit of getting into work. It takes a bit of support to get them back into employment, so they go into the WRAG. To then cut their income by 30%—folks, we know what will happen. People will do their darnedest to stay in the support group, which means that they do not get back into jobs. I think that that was a stupid decision by the Government.

Thirdly, on the Women Against State Pension Inequality Campaign, this decision was profoundly unfair. My partner, if she will forgive me for giving her broad age to the Chamber, is one of those affected. Many women between 55 and 58 across the United Kingdom are affected and it is profoundly unfair. We hear that under the new consensual approach to government the Conservatives are ready to loosen the austerity strings, to listen more to people and to be fairer, and I would urge them to have the WASPI women at the top of the list for reconsideration.

Last but not least is PIP, or the personal independence payment. Again, I am very frustrated because I worked hard with Lord Freud in the other place to try to get PIP to work. The concept is about individual personal income, allowing people with disabilities to control the money they have and use it in the right way. The concept is good, but then guess what happens? I go and lose the election in 2015—I am sure that I am far too insignificant to have made any difference at all, but PIP has not improved things. We are still getting a high rate of people failing the work capability assessment and going to tribunal; more than 80% of them are winning, which means that PIP is not working and the delivery of PIP is not working.

Over the coming years—however long this Parliament lasts—I am looking forward to working with the Government in a spirit of compromise to improve these areas of the DWP and its remit so that it delivers what it is supposed to deliver: fairness, equity and ease of access. The latter is terribly important when someone has been on benefits for a long time, as there must be a smooth transition of funds.

On the pension side, I am delighted that the Conservative manifesto pledge to get rid of the triple lock was dropped in the Queen’s Speech. I remind the House that it was the Liberal Democrats in coalition who brought in the triple lock pension, so I am glad that despite those halcyon days the Conservatives are finally listening to the Lib Dems and have retained the triple lock.

Most importantly of all, it is good to be back. I pay tribute to my predecessor, who I know fought valiantly for Eastbourne. For me, it is a pleasure.

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David Gauke Portrait Mr Gauke
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There is a sedentary comment that it is all zero-hours contracts. The employment numbers that came out last week are striking because the increase was overwhelmingly a consequence of full-time employment. We must bear in mind that those on zero-hours contracts constitute, what, 3%? [Interruption.] Less than 3%: 2.8% of the overall workforce. The majority of those people, when surveyed, say that that is what suits them. Moreover, the average number of hours worked by people on zero-hours contracts is 25. Let us not mischaracterise the nature of our labour market.

Let me now deal with universal credit, a landmark reform of the welfare system that will maximise people’s chances of getting work, staying in work, and progressing into better-paid work. Universal credit is working. People move into work faster, and there are encouraging signs in that connection. The roll-out of universal credit continues to deliver to plan. It is being rolled out in a gradual, safe and secure way to ensure a successful delivery and the best service for claimants. The programme has recently passed an important milestone, with well over a million claims made and the number of claimants higher than the number of people claiming jobseeker’s allowance.

Stephen Lloyd Portrait Stephen Lloyd
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I am grateful to the Secretary of State for giving way, because I am aware that time is short. Does he agree that the current taper is simply inadequate in comparison with what we planned a few years ago? Given that taper, what is the advantage of going into low-paid work?

David Gauke Portrait Mr Gauke
- Hansard - - - Excerpts

We reduced the taper rate recently, so we have taken steps in that direction. One of the attributes of universal credit, however, is that it does not have the cliff edges of the legacy system that we have run up to now, which features all the disincentives to work for more hours and take on more work. We believe that one of the great benefits of universal credit is that it will always be sensible to do more work. I do not know whether I am being over-ambitious, but one of my objectives as Secretary of State is to convince Opposition Members at some point that this is an important and beneficial reform, and that they should get behind it rather than opposing it. That, however, remains to be seen.

Let me now say something about disability and health. There are more than half a million more disabled people in employment than there were three years ago, and the unemployment rate is at a record low. However, we know that we have further to go. My right hon. Friend the Member for Chesham and Amersham (Mrs Gillan) spoke about the disability employment gap, and referred to our excellent record on the issue. I want to put on record that the Government are committed, and remain dedicated, to continuing our work in improving employment outcomes for people with disabilities and health conditions. We have made a commitment to get 1 million more disabled people into work over the next 10 years. That will enable them to enjoy the benefits that we know good work brings.

Let me now deal briefly with the issue of pensions. We are committed to ensuring economic security for people at every stage of their lives, including retirement. We are also clear about the fact that fairness must be maintained between the generations. The new simplified state pension provides a firm foundation on which to plan for retirement. Alongside the state pension, automatic enrolment has been introduced to ensure that the UK builds pension systems that enable individuals, with the help of their employers, to save towards achieving the lifestyle to which they aspire in retirement, and which is sustainable in the future. About 10 million people will be saving more for a private pension to top up their state pension by 2018.

The Government have worked hard to improve people’s lives. We are focusing on delivering more housing, and we have introduced successful welfare reforms on which we will continue to build. I am proud of this Conservative Government, of what we have achieved to date, and of what we have committed ourselves to achieving in this Parliament.

This is an important Gracious Speech. Part of what we will continue to do as a Government is ensure that we get people to work, reform welfare and deliver for the British people. Consequently, I commend the Gracious Speech to the House.

Ordered, That the debate be now adjourned.—(Mike Freer.)

Debate to be resumed on Monday 26 June.