Asked by: Mohammad Yasin (Labour - Bedford)
Question to the Department for Work and Pensions:
To ask the Secretary of State for Work and Pensions, whether his Department is taking steps to help ensure that employers participating in the Disability Confident scheme do not unfairly dismiss employees due to health-related absence or long-term conditions.
Answered by Stephen Timms - Minister of State (Department for Work and Pensions)
All employers are required to comply with the Equality Act 2010, including the duty to make reasonable adjustments where a disabled person would otherwise be put at a substantial disadvantage compared with their colleagues. The Equality and Human Rights Commission is responsible for enforcing the Equality Act and providing guidance on reasonable adjustments, and we expect all employers including those in the Disability Confident scheme to act within the law.
The Disability Confident scheme encourages employers to create disability inclusive workplaces and to support disabled people to get work and get on in work. When an employer signs up to the scheme, they agree to commitments which include anticipating and providing reasonable adjustments as required and supporting any existing employee who acquires a disability or long-term health condition, enabling them to stay in work.
To help employers meet these commitments in practice, Disability Confident provides a range of guidance and resources. This includes the Disability Confident Manager’s Guide [https://www.gov.uk/government/publications/disability-confident-and-cipd-guide-for-line-managers-on-employing-people-with-a-disability-or-health-condition], which explains how managers can make and review reasonable adjustments, consider flexible working, and sets out examples of other types of workplace adjustments. In addition, the Department has developed the ‘Support with Employee Health and Disability’ digital service [https://www.support-with-employee-health-and-disability.dwp.gov.uk/support-with-employee-health-and-disability], which offers employers tailored guidance on supporting employees with health conditions or disabilities, including advice on legal obligations, making reasonable adjustments, and signposting to sources of expert support.
The scheme also signposts employers and employees to Access to Work, a discretionary grant that provides support for people with a disability or health condition to move into or retain employment, by helping with extra disability related costs of working that go beyond the standard reasonable adjustments an employer is expected to provide under the Equality Act.
Asked by: Mohammad Yasin (Labour - Bedford)
Question to the Department for Work and Pensions:
To ask the Secretary of State for Work and Pensions, whether he has made an assessment of the potential merits of a bilateral reciprocal social security agreement with Greece.
Answered by Stephen Timms - Minister of State (Department for Work and Pensions)
The UK’s comprehensive social security relationship with the EU Member States, including State Pensions, is governed by the Withdrawal Agreement and the Trade and Cooperation Agreement.
These agreements provide the necessary level of social security protection and continuity of State Pension provision for those moving between the UK and the EU Member States, including Greece.
Asked by: Mohammad Yasin (Labour - Bedford)
Question to the Department for Work and Pensions:
To ask the Secretary of State for Work and Pensions, what assessment he has made of the effectiveness of UK–EU social security coordination rules in protecting the pension rights of people who have worked in the UK and Greece.
Answered by Stephen Timms - Minister of State (Department for Work and Pensions)
The UK’s comprehensive social security relationship with the EU Member States, including State Pensions, is governed by the Withdrawal Agreement and the Trade and Cooperation Agreement.
These agreements provide the necessary level of social security protection and continuity of State Pension provision for those moving between the UK and the EU Member States, including Greece.
Asked by: Mohammad Yasin (Labour - Bedford)
Question to the Department for Education:
To ask the Secretary of State for Education, what assessment she has made of the potential impact of Plan 2 student loan repayments and interest rates on graduates from different socio-economic backgrounds.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
Plan 2 student loans were designed and implemented by previous governments. Students in England starting degrees under this government have different arrangements.
Plan 2 loans interest rates are applied at the Retail Price Index (RPI) only, then variable up to RPI +3% depending on earnings. Interest rates do not impact monthly repayments made by student loan borrowers, which stay at a constant rate of 9% above an earnings threshold to protect lower earners. If a borrower’s salary remains the same, their monthly repayments will also stay the same. Any outstanding loan and interest is written off at the end of the loan term, and debt is never passed on to family members or descendants.
Asked by: Mohammad Yasin (Labour - Bedford)
Question to the Department for Education:
To ask the Secretary of State for Education, what consideration she has given to linking Plan 2 student loan interest rates to inflation only.
Answered by Josh MacAlister - Parliamentary Under-Secretary (Department for Education)
Plan 2 student loans were designed and implemented by previous governments. Students in England starting degrees under this government have different arrangements.
Plan 2 loans interest rates are applied at the Retail Price Index (RPI) only, then variable up to RPI +3% depending on earnings. Interest rates do not impact monthly repayments made by student loan borrowers, which stay at a constant rate of 9% above an earnings threshold to protect lower earners. If a borrower’s salary remains the same, their monthly repayments will also stay the same. Any outstanding loan and interest is written off at the end of the loan term, and debt is never passed on to family members or descendants.
Asked by: Mohammad Yasin (Labour - Bedford)
Question to the Department of Health and Social Care:
To ask the Secretary of State for Health and Social Care, whether his Department recognises problem debt as a public health issue; and what support the NHS and social care services provide to people with problem debt.
Answered by Zubir Ahmed - Parliamentary Under-Secretary (Department of Health and Social Care)
Research shows that there is a link between health and financial health with a large amount of people who experience mental health problems also struggling with their finances.
NHS Talking Therapies has recently collaborated with the Money and Pensions Service to promote the Money Guiders programme that helps equip mental health practitioners to have money conversations with their patients. In addition, each NHS Talking Therapies service has embedded employment advisors who provide a non-clinical support service to help patients using Talking Therapies to address work-related issues, offering practical support and solutions for any work barriers which can include unemployment and returning to work.
The Individual Placement and Support is a well‑evidenced, National Institute for Health and Care Excellence‑approved employment programme, funded by NHS England, that offers intensive, individually tailored support to get people into work, with ongoing support for the employer and employee to help ensure the person keeps their job.
Individuals may also be able to access the Breathing Space Scheme, which was set up to encourage more people in problem debt to access professional debt advice. A standard breathing space provides a 60-day period of protection by pausing creditor enforcement action and most interest, fees, and charges. Given the link between problem debt and mental health difficulties, the Mental Health Crisis Breathing Space was also established for individuals who are receiving mental health crisis treatment.
Where debt is the result of gambling addiction, individuals can access their local National Health Service gambling service via self- or professional referral.
Asked by: Mohammad Yasin (Labour - Bedford)
Question to the Department for Work and Pensions:
To ask the Secretary of State for Work and Pensions, what steps his Department is taking to help improve the financial situation of mixed-age couples where one partner has reached State Pension age but the other has not; what information his Department holds on the number of households are affected by the Pension Credit rules for mixed-age couples; what steps he is taking to help ensure that households reliant on a single State Pension can access adequate support; and what guidance he has issued to help ensure that claimants are not inaccurately told they are not entitled to state support.
Answered by Stephen Timms - Minister of State (Department for Work and Pensions)
Universal Credit is a working age benefit that helps with living costs. Ensuring that individuals, including those below State Pension age, can get into, progress and stay in work is important for individuals in helping them to continue saving for their own retirement and contribute to the wider economy.
Since 15 May 2019, couples requiring additional support from the benefit system have needed to claim Universal Credit until both members reach State Pension age. Once in receipt of Universal Credit, this ensures that the younger partner can access the same employment support that is available for customers below State Pension Age.
Published data shows that in December 2025 there were around 69,000 Universal Credit claimants aged over 65. This will include mixed aged couples and also some single claimants who are just about to move off UC as they reached State Pension Age during that assessment period.
Information on eligibility requirements for each benefit is published on GOV.UK guidance pages.
Asked by: Mohammad Yasin (Labour - Bedford)
Question to the HM Treasury:
To ask the Chancellor of the Exchequer, how government departments, regulators and local authorities are coordinating to help tackle the mental health impacts of debt, including monitoring and evaluating the effectiveness of initiatives such as Breathing Space.
Answered by Lucy Rigby - Economic Secretary (HM Treasury)
The Government is committed to supporting people experiencing financial difficulties and help them get their finances back on track. Through the Money and Pensions Service (MaPS), which is based in Bedford, we fund a range of national and community-based debt advice services in England, so that people can get the support they need.
In recognition of the link between mental health and financial difficulty, the Government’s recently published Financial Inclusion Strategy considered mental health as a core theme across its interventions. The Strategy sets out a package of measures to improve access to financial services, including a dedicated focus on tackling problem debt which can be a particular challenge for those experiencing mental health difficulties. As part of the Strategy, over £100 million has been allocated to MaPS for 2025-26 to expand access to high-quality debt advice, an increase of over 10%.
Through the Strategy, the Government also announced that HM Treasury will work with the Department for Communities to explore options for extending the Breathing Space Scheme to Northern Ireland. The Scheme provides a 60-day respite from creditor enforcement action to allow people to engage with debt advice. Eligible debtors who are receiving mental health crisis treatment can also access a Mental Health Crisis Breathing Space (MHCBS) which lasts for the duration of their crisis treatment. The Scheme provides valuable support to individuals in problem debt, and the Government continues to monitor its operation to ensure it remains a useful and effective tool.
Asked by: Mohammad Yasin (Labour - Bedford)
Question to the HM Treasury:
To ask the Chancellor of the Exchequer, what steps she is taking to improve public awareness of and regulate high-cost credit.
Answered by Lucy Rigby - Economic Secretary (HM Treasury)
Lenders offering high-cost credit are regulated by the Financial Conduct Authority (FCA). This oversight ensures that lending practices are fair and that consumers are protected.
In 2013 the Government placed a duty on the FCA to implement a price cap for high-cost short-term credit products. The price cap came into force in 2015 and ensures that consumers using these products will never repay more than 100% of the principal in interest, fees, and other charges.
Lenders are also required to follow the FCA’s rules on promotions and adverts, where non-compliance could lead to fines. The FCA requires that all adverts and other promotions must be clear, fair, and not misleading.
The Government is also taking steps to improve financial literacy and awareness across the population... As part of the Financial Inclusion Strategy, the Government announced plans to make financial education compulsory in primary schools in England through a new statutory requirement to teach citizenship, alongside a renewed emphasis on the subject in secondary schools in the subjects of mathematics and citizenship. These measures aim to equip young people with the knowledge and skills they need to navigate an increasingly complex financial landscape and make informed decisions throughout their lives.
More widely, the Financial Inclusion Strategy recognises the useful role of responsible credit in helping households manage their cashflow and meet unexpected costs. The Strategy includes measures to support people’s access to responsible credit, including support for community finance providers, like credit unions.
Asked by: Mohammad Yasin (Labour - Bedford)
Question to the Department of Health and Social Care:
To ask the Secretary of State for Health and Social Care, what pilots or trials are being planned to reduce drug-related deaths in areas with the highest rates of overdose.
Answered by Ashley Dalton - Parliamentary Under-Secretary (Department of Health and Social Care)
Local authorities are responsible for assessing local need for drug prevention, treatment, and recovery in their areas and for commissioning services to best meet local need. This includes work to reduce drug-related deaths.
The Department has recently launched the Drug and alcohol-related deaths dashboard, which provides information on the levels of drug and alcohol related mortality and harms, and the evidence-based interventions that local authorities and treatment providers can provide to have a positive impact on reducing deaths. Local authorities have access to this dashboard and can use it to assess need and plan interventions including in areas with higher rates of deaths. We are also improving surveillance of emerging harms and drug use patterns, with quarterly surveillance data now published to support local police and health responses to synthetic opioids.
In response to increasing drug related deaths, in 2024 the Department amended the Human Medicines Regulations 2012 to expand access to naloxone. The legislation enabled more services and professionals to supply this medication. The Department has recently launched a 10-week United Kingdom-wide public consultation on further legislative options to expand access to take-home and emergency use naloxone.
In response to the sharp rise in deaths involving cocaine, 800 deaths in 2022 to 1,195 deaths in 2024, the Department is investing an additional £200,000 in 2025/26 to develop and trial new brief interventions to target the rise in cocaine and alcohol-related cardiovascular deaths, particularly among men. The pilots will be run in acute hospital alcohol care teams with a view to making them available for use nationally across all healthcare settings in the next financial year.
Through the Government's Addiction Healthcare Goals Reducing Drug Deaths Innovation Challenge, twelve projects have received UK and Scottish government funding to develop and test innovative drug overdose detection, response, and rescue technologies and medicines with relevant populations. Future funding and support through the Addiction Healthcare Goals programme are being explored to further enable the advanced development and UK roll-out of novel drug and alcohol addiction technologies to improve healthcare and prevent harms and deaths.