Women and pensions

Parliamentary and Health Service Ombudsman accuse DWP of maladministration in relation to Women’s SPA rises

The Ombudsman has found flaws in DWP’s provision of information relating to communicating changes to the women’s state pension age where some women should have been told 28 months earlier of their increase in State Pension Age.  You can view the report at https://www.ombudsman.org.uk/publications/womens-state-pension-age-our-findings-department-work-and-pensions-communication-0

UNISON is committed to trying to improve the pension rights of women who, for a number of reasons, typically save less for retirement than men.

As around 75% of our members are women, and because the gender pay gap becomes a pensions gap in retirement, this is clearly a big issue for us.

But there are other factors too. It is still true that women are putting everyone else’s needs before their own, especially when it comes to the cost of caring. Often, looking after their own retirement is at the bottom of a long list of priorities.

Research shows that:

  • only 52% of women are adequately saving for retirement in comparison to 60% of men
  • female pensioners have a net weekly income that is approximately 85% of their male counterparts
  • women account for approximately 61% of pensioners above state pension age
  • over two-thirds of pensioners living in poverty are women.

Changes to the state pension age have hit women particularly hard and cuts to public services have been shown to impact women much more than men.

This section contains advice for women on what they can do to get a decent income on retirement as well other pensions issues that relate particularly to women.

Please take a look at our Women and Pensions Guide in Resources at the bottom of this page.

UNISON statement on women and pensions

UNISON is the UK’s largest trade union with over one million women members. We have a proud record of campaigning with WASPI (Women Against State Pension Inequality) for fair transitional relief for 1950s women who are facing hardship and poverty because of the Government’s acceleration in increasing their state pension age without adequate notice.

In addition, UNISON continues to support our key objectives of achieving decent occupational and state pensions for all our members, and in particular for many of our women members who have been left bereft of either a full occupational or state pension.

UNISON is the first trade union to affiliate to the official WASPI Campaign Ltd. UNISON recognises that there are several groups campaigning for pension justice for WASPI women. UNISON has developed its own work programme and training courses on women and pensions to build union capacity on pension issues.

We are aware that our members support different campaigns fighting for pension justice for women. The union intends to work with the WASPI groups including the Backto60 campaign, where appropriate, and where there is an alignment with UNISON policy.

Providing Financial Restitution to 1950’s Women:Early Day Motion 2296 – Please ask your local MP to support!

At least 3.8 million women born in the 1950’s have suffered detriment because of their State Pension Age increasing in three separate age hikes. Early Day Motion (EDM) 2296 calls on the Government to enact a temporary special measure as permitted by international law to provided restitution to women born in the 1950’s who have lost their pensions from the age of 60 because of the impact of these retirement age increases.

UNISON supports EDM 2296 and would encourage you to show your support in trying to get the Government to do the right thing and to provide 1950’s women with the restitution that they deserve.

You can view Early Day Motion 2296 at https://edm.parliament.uk/early-day-motion/52822/providing-financial-restitution-to-1950s-women?fbcl and Temporary Special Measure video at https://youtu.be/iMMlq-4yZVw.

Pensions training

UNISON is refreshing our campaign to protect good pension provision through engaging, organising and providing pension training for our members. Integral to this campaign is our regional training programme on both state and workplace pensions. This training has already been provided for at least 2 regions.

We will also be looking at issues related to the gender pension gap and what actions are required to close this gap.


State pension inequality