Select committee: Work and Pensions Committee
Conclusion 33
2nd Report - Pensioner Poverty: challenges and mitigations
Published 24 Jul 2025
Addressed to Department for Work and Pensions
Work and Pensions Committee Pensioner Poverty: challenges and mitigations All items in this report Report on parliament.uk ↗ Inquiry on parliament.uk ↗
Conclusion (the committee's words)
One in eight pensioners rely solely on the state pension and it makes up 80% of the retirement income of the poorest pensioners. The Minister for Pensions said to us that the State Pension formed the ‘bedrock of Government support’ for pensioners, yet we heard that many of those who rely on it are experiencing financial difficulties and hardship. Some of the reasons for this relate to the design of means-tested benefits such as Pension Credit and Housing Benefit and some to low-take up. However, it is also the case that many pensioners do not receive the full new State Pension. Comparisons are complex, partly due to the interaction with workplace pensions. However, those at risk are likely to include the 2.1 million who receive less than the full basic State Pension. (Conclusion, Paragraph 166)
From: Work and Pensions Committee, 2nd Report - Pensioner Poverty: challenges and mitigations (HC 465), 24 July 2025
Government response
The government responded to the whole report on 10 November 2025 (deadline 24 September 2025).
Summary written by Accountability Index from the government's response. It is not the government's own words.The government's response commits to monitoring the gender pensions gap and to data-sharing reports to the Committee, but declines to monitor local authorities on benefit take-up or to change mixed-age couple conditionality.
- On the gender pensions gap, the government is "committed to monitoring" it and will "continue to seek to monitor and publish every 2 years", as the underlying survey data allow.
- On an Older People's Commissioner for England, the government says it "will consider" the experience and effectiveness of the Commissioner in Wales to inform its "future thinking in England".
- The Department for Energy Security and Net Zero "will write to the Committee by the end of 2025" with an assessment of the legislative changes needed to enable data sharing for bill support.
- On a Pension Credit taper, the government argues a taper "would introduce far greater complexity into the benefit". On mixed-age couples, it states there "are no plans to change or explore" the current requirement.