Universal Credit and Personal Independence Payment Bill

Ann Davies Excerpts

Committee of the whole House & 3rd reading
Wednesday 9th July 2025 Commons Chamber

[Ann Davies (Caerfyrddin) (PC)]

I stand to support new clauses 8 and 11, and amendments 12, 38 and 39, among others, which I will mention as I go through my speech. I promise to keep to the unofficial four-minute time limit.

A week after the cruel Universal Credit and Personal Independence Payment Bill and its arbitrary eligibility cut-offs was first discussed, we are today being asked to amend and pass this deeply flawed Bill in a couple of hours. Of course, it is now a completely different Bill from what was first introduced—even the title will be changed. I am not alone in welcoming the removal of clause 5, which means that no one will lose vital personal independence payments so that the Government can save some money. However, unlike other hon. Members, I do not believe that the UK Government’s concessions make the Bill any more worthy to become legislation.

The Government have conceded that placing an arbitrary cut-off date on PIP eligibility is unsupportable, so why on earth do they continue to do exactly that for claimants of the health element of universal credit? I commend the hon. Member for Leeds East (Richard Burgon) for amendment (a) to amendment 2, which would keep the health element of universal credit at £423.27 for all new claimants, rather than lowering the rate for people who are unlucky enough to require that support after 2026, which will cause real hardship. The Joseph Rowntree Foundation estimates that, without further changes, over 700,000 disabled people will still face a cut to their income of up to £3,000 a year by 2030.

We do not know what data has informed that approach or how it will impact on the great people of Wales. An assessment of the specific impacts on Wales has been necessary since the UK Government first announced their welfare cuts months ago. Now that their plans have changed considerably, that impact assessment is all the more crucial. People in Wales need transparency and certainty about how the changes will affect their lives.

In what functioning democracy does a Government Bill get fundamentally altered in the middle of the first debate on that very Bill, and then elected representatives are given only a few hours to scrutinise it before it is passed? We need time to scrutinise the Bill fully and effectively. We need time to co-produce it with the constituents whose lives it will affect. This is a chaotic and shameful state of affairs, especially in the light of the substantial impact that the Bill will have on thousands of disabled people on the lowest incomes.

[Mr Joshua Reynolds (Maidenhead) (LD)]

Will the hon. Lady give way?

[Ann Davies]

I am just coming to the end of my remarks, if the hon. Member does not mind. I am keeping to my four-minute time limit.

The Bill should be scrapped. It is neither fair nor compassionate welfare reform. It is not fit for our constituents.

[Graeme Downie (Dunfermline and Dollar) (Lab)]

I will speak to amendment 17, which I tabled with the support of 62 Members from across the House. It would ensure that if a person has a fluctuating condition such as Parkinson’s or multiple sclerosis, that is a factor in considering whether they meet the severe conditions claimant criteria.

I have been working with Parkinson’s UK, and as the new chair of the all-party parliamentary group on Parkinson’s, I have heard concerns from those living with the condition, and their carers and families, about the problems they already face in accessing support through the welfare system, because of fundamental misunderstandings about the fluctuating nature of the condition. Those concerns have been exacerbated by the Bill, particularly paragraph 6 of schedule 1, which states that in order to meet the severe conditions claimant criteria,

“at least one of the descriptors…constantly applies.”

Someone with Parkinson’s, MS, ME or other similar conditions may be able to carry out one of the activities in the descriptors such as walking for 50 metres or pressing a button in the morning, but then not be able to do so by the afternoon. Under my initial reading of the Bill, that means that someone with Parkinson’s could never be a severe conditions criteria claimant because they would not meet the descriptor “constantly”.

I thank the Minister and his team for their extensive engagement with me on this matter, but the language used in the Bill has caused concern and fear for those with Parkinson’s. As the Minister has helpfully said, and as he explained to me prior to the debate, much of the explanation that I have received centres around existing guidance that a person must be able to undertake the activity in the descriptor “repeatedly, reliably and safely”. If they cannot, the criteria will count as applying constantly and they will be considered a severe conditions criteria claimant.

Universal Credit and Personal Independence Payment Bill

Ann Davies Excerpts

2nd reading
Tuesday 1st July 2025 Commons Chamber

[Ann Davies (Caerfyrddin) (PC)]

I have heard some really passionate, personal speeches in the Chamber today, and I thank all hon. Members for their testimonies and contributions.

The Universal Credit and Personal Independence Payment Bill is a direct attack on ill and disabled people, just to cut costs. Arbitrarily restricting eligibility for PIP, and cutting the health element of universal credit, will have devastating and lasting consequences. Whatever this Labour Government claim, there is neither fairness nor compassion in their approach to welfare. It is certainly not fair or compassionate for the people of Wales, who will be disproportionately impacted by these measures.

I thank organisations such as Policy in Practice and the Bevan Foundation for their vital work in filling the absence of data for Wales, which the UK Government have all but refused to provide. Four of the 10 local authorities that are worst hit by the welfare cuts are in Wales, impacting on 6.1% of the Welsh population at a cost of £470 million for our communities. In Carmarthenshire alone, the economic impact will be nearly £17.5 million, and too many people will suffer. My constituents will suffer.

[Robin Swann]

I just want to make a point of clarification. The hon. Lady mentions that her constituents will suffer. The Government have withdrawn clause 5, but under clause 6 the legislation will still apply in Northern Ireland. Are the Government going to put a barrier down the Irish sea with regard to PIP?

[Ann Davies]

I will allow the Minister to answer that in his closing statement. I could not possibly comment.

My constituent Clare Jacques has several disabilities, including arthritis. She currently receives PIP, which has helped her to build on her master’s degree in equality and diversity in work and allowed additional support, such as the ability to have a carer accompany her when necessary. Ms Jacques does not have four points in any one part of the daily living component. Versus Arthritis has calculated that 79% of people who claim PIP in Wales for arthritis alone score fewer than four points, which is nearly 17,000 people.

This is not just about claimants. Mencap, which has been mentioned, has estimated that over 13,000 carers may lose their carer’s allowance in Wales due to caring for people with fewer than four points. The Government’s justification for this suffering is completely flawed. The Joseph Rowntree Foundation has found that 60% of recipients scoring four or fewer points are already in employment in England and Wales, rising to 63% in my constituency of Caerfyrddin.

The UK Government claim that their amendments to the Bill will lessen the blow—we will have to wait until after Second Reading to see them—but they are set to penalise people who become disabled after the arbitrary cut-off date of November 2026. What data has informed these concessions, and what specific evidence suggests that people can pick and choose when they become sick or disabled, because that to me looks like discrimination? Legal experts for the Equity union agree that it could be

“unlawful on the grounds of arbitrariness.”

Such arbitrariness looks half-baked considering the PIP assessment review will be published only in autumn 2026.

The UK Government’s amendments to the Bill do not address the fundamental injustice at the heart of these measures. Is plunging 150,000 people into poverty rather than 250,000 really a marker of success? Is only punishing people who will get ill or disabled in future, or those who turn 18 later, really a sign of a fair and compassionate welfare reform? I call on hon. Members across this House, and particularly my friends on the Labour Benches, to vote against this cruel Bill. The Labour UK Government must abandon these damaging plans entirely, and instead create a welfare system founded on dignity, equity and compassion, and one developed with disabled people and representative organisations. Plaid Cymru Members will be voting for the reasoned amendment moved by the hon. Member for York Central (Rachael Maskell) and against the Second Reading of the Bill.

Welfare Reform

Ann Davies Excerpts

Monday 30th June 2025 Commons Chamber

[Liz Kendall]

Many hon. Members have understandably raised concerns because their constituents who are on PIP, right here and now, are extremely anxious, even though if they are still on PIP at the time when the changes come in, nine out of 10 of them will not be affected—they will be protected in future. The Timms review will look at this vital benefit going forward—the activities, the descriptors and the points they get—and I really hope that my hon. Friend will engage with us throughout the process to ensure that we get it right.

[Ann Davies (Caerfyrddin) (PC)]

The UK Government’s amendments to the Universal Credit and Personal Independence Payment Bill were not included in the initial statement on the Bill’s compatibility with the European convention on human rights. Discrimination is a real concern, given that two people with the same condition could receive different support, based on when they become sick or turn 18. Will the Secretary of State make an updated statement on compatibility and confirm that her Department has complied with the public sector equality duty under the Equality Act 2010?

[Liz Kendall]

I can indeed confirm that we have complied with all our legal requirements.

Disabled People in Poverty

Ann Davies Excerpts

Tuesday 17th June 2025 Westminster Hall

[Ann Davies (Caerfyrddin) (PC)]

Diolch yn fawr iawn. Analysis from Policy in Practice has found that four of the 10 UK local authority areas worst hit by the welfare cuts are in Wales—and we only have 22 local authorities—impacting 6.1% of our population at a cost of £470 million.

The Joseph Rowntree Foundation’s “Poverty in Wales” report, which was published last week, found that 37% of disabled working-age adults in Wales are already in poverty, compared with 19% of non-disabled working-age people. According to the report, relative poverty increases by 219% among households affected by the loss of both personal independence payments and the healthcare element of universal credit in Wales, with the average depth of poverty among affected households increasing by 65% to £538 per month.

If the administration of the social security system were devolved to Wales, the needs and experiences of disabled people in Wales, rather than cost savings, could be placed at the root of welfare provision. More than four in 10 PIP claimants are already in the bottom fifth of the income distribution; the removal of this lifeline, at an average financial cost of £4,500 a year, will inevitably increase the rate of poverty in Wales and across the UK. The UK Government must urgently stop their welfare plans and instead listen and work with disabled people to address the challenges they face, rather than exacerbate them.

Oral Answers to Questions

Ann Davies Excerpts

Monday 12th May 2025 Commons Chamber

[Torsten Bell]

I can guarantee that this Government are going to deliver on our priorities for pensioners by raising the state pension, with a £470-a-year increase this April, and saving the NHS, with a £26 billion increase every single year. What will the Conservatives be doing? None of that, because they oppose every single measure required to fund it. We know what the Tory plan is, because we have just lived through it: pensioner poverty rising and the NHS collapsing.

[Ann Davies (Caerfyrddin) (PC)]

13. What steps she is taking through the social security system to tackle poverty in Wales.

[The Parliamentary Under-Secretary of State for Work and Pensions (Andrew Western)]

This Government are committed to tackling poverty right across the UK. We are reviewing universal credit to ensure that it is doing the job we want it to do: making work pay and tackling poverty. We have already announced that we will improve the adequacy of the standard allowance in universal credit, and we have introduced the fair repayment rate. Alongside that, the child poverty taskforce is exploring all available levers to reduce child poverty in all four nations, including considering social security reforms.

[Ann Davies]

Just a day before the new figures revealed yet another rise in child poverty in Wales, the UK Labour Government confirmed plans for billions of pounds-worth of welfare cuts, pushing tens of thousands more children into hardship. The Government tell me that the data is not robust enough to know the poverty impact on Wales, which is really not good enough. The Labour First Minister—of the Senedd, not the “Assembly”, if I may correct the hon. Member for Bristol North East (Damien Egan)—has also criticised this Government’s approach. Will the Secretary of State now listen to the First Minister of Wales, conduct a Wales-specific impact assessment and scrap these cruel measures?

[Andrew Western]

I am sorry to disappoint the hon. Lady, but I am sure she would not want us to produce a potentially inaccurate assessment of the impact on Wales. What I would say—and I am sure that she agrees with this—is that the levels of poverty in Wales are unacceptable, which is a result of 14 years of the Conservative party failing to address the long-term industrial decline of many communities across Wales. I would also say to her that the best way to get people out of poverty is to get them into work, so I am sure she will welcome the recent launch of the inactivity trailblazer in Wales.

Personal Independence Payment: Disabled People

Ann Davies Excerpts

Wednesday 7th May 2025 Westminster Hall

[Ann Davies (Caerfyrddin) (PC)]

Diolch yn fawr, Dr Allin-Khan; it is a pleasure to serve under your chairmanship. Of the so-called savings, £4.5 billion will come from restricting eligibility for the daily living element of personal independence payments. Restricting that will result in an average financial loss of £4,500 each for our constituents. PIP is not a benefit for people out of work. With one in five people in the workforce in Wales being disabled, taking away PIP, or the option of PIP, from disabled workers will leave people worse off.

Often, post-industrial areas have a higher proportion of working-age people receiving PIP, and they will be disproportionately affected by these changes. Recent Policy in Practice data has shown exactly that: Wales will suffer three times the economic impact and have twice as many affected residents as London and the south-east. Four out of 10 of the most affected local authority areas are in Wales. In Carmarthenshire alone, over £17 million will be lost because of PIP changes, with nearly 4,000 people losing eligibility within my constituency.

Data and analysis by organisations such as Policy in Practice are crucial for our understanding, especially since the UK Government have so far refused Plaid Cymru’s call for an impact assessment in Wales. Even the Labour First Minister of Wales has requested a Wales-specific impact assessment, but the proposal was batted away and refused. This is not the change that Wales and the UK voted for, and they have recently made that crystal clear.

Public Authorities (Fraud, Error and Recovery) Bill

Ann Davies Excerpts

Report stage & 3rd reading
Tuesday 29th April 2025 Commons Chamber

[Siân Berry]

There is a lot I could say, but I will mainly just commend to Members my new clause 7, which would remove official error from the most punitive measures in the second part of the Bill. I spoke against the whole suite of intrusive legislation in the second part of the Bill on Second Reading, and Green MPs still oppose it now. I was pleased to serve on the Public Bill Committee, and I will be supporting a number of other amendments that I also backed there, alongside the hon. Members from both sides of the House who proposed them. On Second Reading and in Committee I described how the Bill treats already stigmatised benefit claimants as suspects, not citizens, through blanket intrusion and surveillance. It is absolutely wrong that this legislation should go through in this form. I think the first part works, but the second part is absolutely out of order.

New clause 7, tabled in my name, is about fair play. It would bring a test for the recovery of universal credit overpayments caused by official error into line with regulation 100(2) of the Housing Benefit Regulations 2006, so that they could be recovered only where the claimant could have reasonably been expected to realise that there was an overpayment. Let us be in no doubt, mistakes by the DWP can have huge financial and psychological impacts on people who are receiving benefits, and the risk of harm is particularly acute with official error overpayments, which individuals have no way of anticipating. I point out that new clause 7 is equivalent to an amendment proposed by Labour Front Benchers during the passage of the Welfare Reform Act back in 2012, when the Government first started to recover universal credit overpayments.

Turning to a few of the other important amendments before the House today, I restate my support for amendments 2 and 5, in the name of the hon. Member for Torbay (Steve Darling). These seek simply to remove the totally indefensible bank spying powers. I express my support for amendments 10 and 12, in the name of the hon. Member for Poole (Neil Duncan-Jordan), which rightly seek to do away with the driving disqualification powers, which I have previously opposed. I also put on record my support for amendment 11, also in the name of the hon. Member for Poole, which rightly limits the banks’ spying powers to cases with existing suspicion of wrongdoing. I am pleased that the hon. Member for Liverpool Wavertree (Paula Barker) has taken forward amendments 8 and 9, which I tabled in Committee. My Green party colleagues and I will also be voting for new clause 1, in the name of the hon. Member for Torbay, on carer’s allowance and lessons learned.

It matters when we treat people who need a safety net as suspects. It matters when Governments invade privacy with a blanket intrusion that affects older people, disabled people and other minorities in a disproportionate way. And it matters that the powers proposed today extend to impoverishing citizens and punishing them for our own Department’s mistakes. Treating people with humanity and due process should be the default setting, not these intrusive new blanket laws, and I hope that Parliament will ask Ministers to dial up the competence, dial down the stigma and think again.

[Ann Davies (Caerfyrddin) (PC)]

Over the past few months, it has been one thing after another for the vulnerable, the sick and disabled people. The recently announced cuts to welfare will affect 6% of the population in Wales, according to Policy in Practice, punishing the sick and disabled. This Bill adds to that punishment by increasing state financial surveillance of welfare recipients. It is full of intrusive measures, from granting access to three months of bank statements, to allowing direct deductions from bank accounts without court orders and providing police with powers under the Police and Criminal Evidence Act 1984 to enter and search a property. That is not just my opinion: numerous charities and organisations from Age UK to the Child Poverty Action Group support Big Brother Watch’s recommendation to oppose eligibility verification powers under clause 74, for example.

Similar powers were proposed by the previous Conservative Government and considered a potential breach of privacy under the Human Rights Act. Labour MPs at that time were among critics of those powers. It is disappointing to see so few Labour MPs here today, but I thank those who have once again spoken up. I am glad to see amendments, including amendments 8 and 9 tabled by the hon. Member for Liverpool Wavertree (Paula Barker) and amendment 11 tabled by the hon. Member for Poole (Neil Duncan-Jordan), that seek to address such concerns, including by limiting or removing powers to compel banks to provide sensitive financial information.

Even the thought of this provision is causing real anxiety and distress, such as for my constituent Simon Mead and his family. Mr Mead’s daughter, who receives PIP due to the long-term effects of brain cancer as a child, and his son, who suffers from psychosis and schizophrenia, are extremely worried about the Government accessing their private financial decisions. It is already affecting their day-to-day life and decisions. When I wrote to the Government outlining Mr Mead’s concerns before the Bill was published, I was told that the Bill is

“not designed to cause distress or to undertake covert surveillance of disabled people, or any benefit claimant”.

Well, that is obviously not the case, is it?

Combined with restricting winter fuel payments, the refusal to abolish the two-child cap and the sweeping welfare cuts, many vulnerable and disabled people genuinely feel that they are being disproportionately targeted. This is a reality that the Labour Government must accept and address. The Bill further stigmatises people who we are supposed to protect—those who are entitled to state support—who are already suffering following recent UK Government decisions. As Members of Parliament, it is our job to better people’s lives and ensure that everyone in our community feels supported. We are here to serve and to serve all our constituents, which includes the vulnerable, the elderly, the disabled and the infirm. We are not here to cause further distress and hardship. We need to ensure that constituents have access to the help and services they need. Sadly, this Bill does the opposite.

[Madam Deputy Speaker (Ms Nusrat Ghani)]

That is the end of the Back-Bench contributions. We come to the Front Benches and first the shadow Minister.

Pension Funds

Ann Davies Excerpts

Wednesday 23rd April 2025 Commons Chamber

[Manuela Perteghella]

Yes. The hon. Member makes a good point.

The lack of transparency allowed this policy to persist under the radar. The formula used is regressive and unfair. For a start, the deduction is based on the full state pension rate one year before retirement, not on salary or actual state pension received. It is then divided by 80 and multiplied by years worked. The result? The longer someone worked and the less they earned, the more they lose. That injustice falls heaviest on women.

[Ann Davies (Caerfyrddin) (PC)]

Former Midland bank and HSBC workers who had a defined-benefit pension saw deductions from their pension entitlement at state pension age, to take account of the payment of the state pension. Those deductions had no link to salary or pension received. Lower-earning staff members, mostly women, were particularly affected, including my constituent Angela Blockwell. Does the hon. Member agree that that inequality must finally be recognised and that pension clawbacks must be abolished for all?

[Manuela Perteghella]

Yes, the practice is a relic from the past and needs to be abolished.

Women have historically occupied lower-paid roles at Midland bank and HSBC. They have taken career breaks to care for children or elderly parents, or have been placed on new contracts with clawback attached—often without being told the implications for their pension rights. HSBC claims that there is no discrimination because the policy applies to all, but indirect discrimination is defined as a policy that appears neutral but disproportionately harms a particular group.

PIP Changes: Impact on Carer’s Allowance

Ann Davies Excerpts

Thursday 27th March 2025 Commons Chamber

[Sir Stephen Timms]

I am working with the Minister for Care in the Department of Health and Social Care on this. I agree with my hon. Friend that we need to work across Government on these issues. We need to be concerned about the effect on young carers in the education system, so the Department for Education needs to be involved as well. His point about cross-Government working is absolutely right.

[Ann Davies (Caerfyrddin) (PC)]

Almost a third of all unpaid carers in Wales live in poverty. That is over 100,000 people caring for the sick, the elderly and the disabled. The Labour First Minister in Wales, Eluned Morgan, has already asked for a Wales-specific impact assessment of welfare cuts. She has not even had the courtesy of a reply. Can the Minister tell me how many more unpaid carers in Wales will be pushed into hardship due to losing their entitlement to carer’s allowance?

Welfare Reform

Ann Davies Excerpts

Tuesday 18th March 2025 Commons Chamber

[Liz Kendall]

I have always believed we should follow the evidence on this. We have a clear commitment to recruit 8,500 new mental health workers and to have mental health support in every primary and secondary school to prevent problems from happening. We also need to roll out individual placement and support within the NHS. I have seen in my own constituency that it can be life-transforming, but we need to go further and faster to ensure that all people with mental health problems who can work do so.

[Ann Davies (Caerfyrddin) (PC)]

Wales will be hit hard by these cuts, with the second-highest proportion of disabled people of working age in the UK. Stripping £5 billion from the system will only increase pressure on other services. Has the Secretary of State secured the approval of her Labour Welsh Government colleagues, as they will be the ones who will have to shoulder the cost of these damaging cuts?

[Liz Kendall]

Welsh Labour wants to see more people having the chances and choices to get good jobs. That is why we have a modern industrial strategy to create good jobs in every part of the country, why we are building 1.5 million new homes and why we want to see clean energy support. All those things will make a huge difference. We do not believe that the status quo is acceptable or inevitable. That is why our plan for change will create more good jobs in every part of the country. I hope that the hon. Lady and her party will welcome that.