(6 years, 3 months ago)
Lords ChamberMy Lords, I join my noble friend Lord McKenzie of Luton in welcoming some aspects of the Pension Schemes Bill, particularly easier access to information through the pensions dashboard and greater protection from misleading information.
Unfortunately, the Government’s understanding of their legal and moral responsibilities relating to misleading information was exposed recently when their QC in the “Back to 60” court case stated:
“It’s clear from case law that the enactment of primary legislation carries with it no duty of fairness to the public”.
Rather than acknowledge that a lack of fairness from government was unacceptable, as it would be from a private pension company, it was used to justify leaving many thousands of older women in poverty. Even the judges in the case said they were saddened by the women’s situation.
This proposed Bill on pensions again fails to take account of the differences in working lives of men and women and, as a result, will continue to treat women unfairly. The gender pay gap remains significant, even when comparing women and men in full-time employment. Women earn considerably less than men through their working lives, and the gap is at its widest for women over the age of 60. It is estimated that women starting work today can expect to receive £225,000 less over their working lives than men.
The pay gap is a disadvantage to women throughout their working years and goes on to make a substantial difference to their pension entitlement should they enrol and stay in an occupational pension scheme, but, not surprisingly, women of all ages are less likely to join workplace pension schemes than men. Nearly 10% of women opt out of auto-enrolment compared with 7% of men. For older women, this increases to 33% opting out.
The reasons are clear. Women are more likely to be in part-time, temporary or unskilled jobs. They are also more likely to be single parents and carry the responsibility of caring for elderly or disabled family members. It is often their money that is vital for immediate household needs such as food and clothes, and they often meet childcare costs from their salary. When every penny is needed for the here and now, it is hard to balance that against a distant future, particularly when that future seems further away than ever.
The treatment of the WASPI women is likely to make all women sceptical about pensions. Rules change and goalposts shift, but never to the benefit of women paying in. Is there any possibility that the Government will make an act of good faith to the women who were misled over their pension entitlement? After all, the Prime Minister agreed that he felt that the answer he got back from the Treasury on behalf of his own constituents was “not yet satisfactory”, and said that, if he was lucky enough to become Prime Minister, he would undertake to return to this issue with fresh vigour and new eyes to see what he could do to sort it out. That being the case, can we expect to see fresh action on this issue soon?
Finally, can the Minister comment on how workers who invest their future in pension schemes can be represented in decisions about how those funds are invested? The money is, after all, their deferred wages.
(6 years, 11 months ago)
Lords ChamberMy Lords, I thank the noble Lord, Lord O’Shaughnessy, for tabling this debate and for his continuing interest in the issue. As a relatively new Member, I welcome the noble Lord, Lord Carrington, and congratulate him on his maiden speech.
To confirm how important this debate is, I note that the Medicines and Healthcare products Regulatory Agency has issued three medical device alerts during February—for a pacemaker, an ophthalmic implant and an orthopaedic implant. This has to give us cause for concern. The helpful briefing paper from the Royal College of Surgeons points out:
“The vast majority of medical devices are manufactured and used to high standards”.
However, it goes on:
“Gaps within the current regulatory process … could be putting patients at risk of serious complications and harm”.
One of the examples the royal college gives is of transvaginal mesh implants. I am pleased that, over the past few years, this issue has been taken more seriously. There was a debate in the other place recently, and Members there reported the harrowing experiences of their constituents. Most importantly, the review of the noble Baroness, Lady Cumberlege, will include this issue and I am pleased to see that she will make a return visit to Glasgow later this year. Her comments today were both moving and reassuring for the future.
Last year in Scotland, a woman who died of multiple organ failure was reported to be the first Scottish woman to have had a mesh implant listed as an antecedent cause of death. For a long time, Scottish women who were experiencing debilitating symptoms following mesh implants felt they were not being listened to or even, in some cases, believed. Women made multiple visits to their GPs, taking time off work or giving up work altogether. Many were becoming more disabled and some needed wheelchairs. Women felt that the lack of treatment, continual pain and, for some, the attitude of doctors caused stress and anxiety, which often led to depression.
These women set up a campaign in Scotland, Hear Our Voice, and took the issue to the petitions committee of the Scottish Parliament. From that, a Scottish independent review was established. The review’s final report was, however, not without controversy. Two of the women who had experienced mesh implant surgery resigned before it was published, because they felt it had been watered down from the draft version. It was a real pity that women who had brought the issue to public, media and political notice then felt let down by the final publication.
The Scottish review made the following recommendations: mesh should not be offered routinely to women with prolapse; reporting of all procedures and adverse events should be mandatory; extra steps should ensure that patients have access to clear, understandable advice to help them make informed choices; all appropriate treatment should be available, subject to informed choice and assessment; there should be improved training for clinical teams; and there should be improved research into the safety and effectiveness of the products. How often do patients have to campaign, sometimes for years, to have their concerns addressed? In the meantime, they are often dismissed by so-called experts as overreacting.
We must be able to have confidence in the independence of research. Just this year, a senior medical consultant and researcher acknowledged that he failed to declare £100,000 received from the manufacturer of a type of vaginal mesh implant that he assessed. There is no evidence that his study was influenced by the support he received but it has added to concerns about the lack of transparency from the manufacturing companies.
Obviously, mesh implants are not the only area of concern; breast implants and hip replacements have also had their problems. The Royal College of Surgeons makes the point that, in contrast to drugs, many surgical innovations are introduced without clinical trials or centrally held data. This has resulted in a lack of information and often a considerable time delay in giving a diagnosis, leaving women experiencing chronic pain and sometimes inappropriate treatment.
Women were not given clear information about the risks involved, so they could not have given adequately informed consent. How could the surgeons have provided that information when they did not have the details of clinical trials? Can the Minister assure us that, for the future, will there be more effective clinical trials and faster and more effective action when adverse reactions are reported, and that the people affected will be given sufficient financial compensation, along the lines mentioned by my noble friend Lord Brennan, so as to take at least one worry off their shoulders?