Stigma is definitely a part of it, but some think they do not qualify as they have a sufficiency of income that would result in their being rejected. I always say to them that even if it is only 50p, it is worth doing because of the passporting benefits. We have seen this challenge around child benefit. Having not seen an increase in the thresholds, we are in a ludicrous situation where if a single earner earns over £60,000, the household is not entitled to it. The challenge is that if the non-earning parent does not apply, they do not get their national insurance contributions for their pension. Why would people apply for something that they do not think they are entitled to? We must do more to make it easier for people to get what they are entitled to. They do not want to end up 20 years down the line finding out that they do not have full pension contributions, because we know that topping it up is quite challenging, as I have talked about.
Going back to pension credit, perhaps once the Minister’s Department has published the results of last summer’s trials of targeting recipients of housing benefit, he could give us an update on the outcome of the trial to see whether that might work for pension credit, and what lessons can be learned. Missing out on pension credit has serious implications beyond the credit itself. As I mentioned, it is the main passporting benefit for older people for cost of living payments. While we focus on a long-term strategy for pension credit, will the Minister consider extending entitlement to those payments to older people in receipt of housing benefit and council tax reduction, for example? I suspect that if they are eligible for those things, they are probably eligible for pension credit.
Before I move on to long-term strategies to tackle pension poverty, I want to raise one more benefit-related point. This is not strictly in his portfolio, but will the Minister commit to providing the House with an update on the future of the household support fund? I know from English colleagues that there is significant distress at the prospect of its not being renewed in March.
I dispute the claim of the Minister’s colleague, the Minister for Disabled People, Health and Work, the hon. Member for Mid Sussex (Mims Davies), in a written response to me yesterday, that pensioner poverty is falling. It is not. The claim was based on statistics before housing costs, which is distinctly disingenuous. Increasingly, pensioners face high housing costs, as more continue to rent privately into older age. Twice as many rent now than a decade ago—a trend set to continue as it is harder for young people to get on to the housing ladder.
We must tackle the poverty immediately in front of us, but we must look at long-term drivers of poverty among pensioners and stop this trend in its tracks. There are two parts to that: ensuring that people enter retirement sufficiently equipped, and ensuring that no one falls into poverty after ending their working life. Ultimately, our experience during our working life determines what happens to us when we retire. If someone has to take time out of work or only works part-time because of ill health, child rearing or caring, they will be substantially worse off in retirement. Those last two reasons are incredibly gendered, with women more likely to miss out on savings for their retirement.