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Pensions: Females

Volume 498: debated on Monday 26 October 2009

To ask the Secretary of State for Work and Pensions if she will estimate the percentage of women retiring in (a) 2010-11, (b) 2012-13 and (c) 2014-15 who will be entitled to a full basic state pension; and if she will estimate for those who will not receive a full pension what their average percentage contribution record will have been in each such year; and if she will make a statement. (295458)

The 2007 Pensions Act reforms to basic state pension will mean that over 90 per cent. of women reaching state pension age from 2025 will qualify for a full basic state pension. In 2010-11 this proportion will rise to around 75 per cent. from around 45 per cent. today. Thereafter we expect the proportion to rise more gradually.

Where available the information requested is given in the following table. An estimate of the average percentage contribution record for women not entitled to a full basic state pension reaching state pension age in the years requested is not available; information relating to the expected level of entitlement has been provided instead.

Proportion of women reaching state pension age in the given year by their estimated level of entitlement to basic state pension


Level of basic state pension entitlement





Around 75

Around 80

Around 85

61 to 99

Around 15

Around 10

Under 10

60 and less

Around 10

Under 10

Under 10

Notes: 1. This table shows the proportion of people reaching SPA entitled to BSP at SPA, i.e. around 75 per cent. of females reaching SPA in 2010 are projected to be entitled to full BSP. 2. Women's entitlement is based on their own contributions and on their husband's contributions where the inheritance and substitution provisions apply for widows and divorced women. 3. Includes deferrers. Figures refer to percentage entitlement not to percentage of those in receipt of full BSP. Some people may be entitled but not be in receipt of a pension because they have chosen to defer their entitlement. 4. Figures have been rounded to the nearest 5 per cent. Source: Projections from DWP Forecasting Division using the Government Actuary's Department's Retirement Pension Model; Great Britain only.