M

Member

Speaking in the House of Lords on 2 February 2026

Debate

Women’s State Pension Age Communication: PHSO Report

Contribution

However, the question is about the impact of the delay in sending those letters. The evidence taken as a whole, including that from 2007, suggests that the majority of 1950s-born women would not have read and recalled the contents of an unsolicited pensions letter, even if it had been sent earlier. Furthermore, the evidence also suggests that those less knowledgeable about pensions—the very women who most needed to engage with a letter, and for whom it might have made a difference—were the least likely to read it. An earlier letter would therefore have been unlikely to make a difference to what the majority of women knew about their own state pension age. Indeed, the 2007 report concluded that automatic pension forecast letters had only a negligible impact on pensions knowledge and planning, and the department stopped sending them.

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