National charity Independent Age and 12 other organisations1 have teamed up to send an open letter to the Secretary of State for Work and Pensions Pat McFadden, calling for an end to the mixed age couples rule. The rule, introduced in 2019, could be preventing around 70,000 low-income couples from receiving entitlements specifically for older people until they both reach State Pension age, leaving affected couples up to £7,000 worse off a year.
As well as the range of organisations calling for change, new polling from Independent Age shows that a large majority of the UK public back ending the rule, with 62% saying that couples where one person is over State Pension age should receive pension-age entitlements2.
Together the organisations are urging the UK Government to reverse the mixed-age couples rule, to allow couples to claim pensioner benefits, like Pension Credit, once the older partner reaches State Pension age.
Data from 2019 shows that 12% of couples who could be eligible for Pension Credit have an age gap of more than 10 years, meaning the older partner may have to wait an extremely long time to access pensioner entitlements, adding to their financial strain. While couples in this situation are eligible to receive Universal Credit, this is paid at a lower rate and is not designed to meet the needs of people over State Pension Age.
In the letter the organisations say the issue is urgent:
“Nobody should be punished financially because of who they love. Yet as many as 70,000 older people are missing out on the financial safety net designed to protect pensioners, just because of their partner’s age. This is urgent. With the incoming rise in State Pension age, more and more couples on a low income will face an even longer wait to receive the entitlements they need due to the mixed-age couples rule.”
Independent Age Chief Executive, Joanna Elson CBE said:
“Every day we hear from older people struggling to make ends meet, and for thousands of mixed-age couples the system is making that struggle even harder. This rule is unfairly locking around 70,000 older people out of vital pension-age support simply because their partner is younger.
“The UK Government has created a flawed system where two people of the same age can be treated completely differently depending on who they love. The financial support they are missing out on could be the difference between heating and eating or paying the rent.
“Twelve organisations have joined us in calling on the UK Government to act now and scrap the mixed-age couples rule, to ensure all older people on a low income get the financial security and dignity they deserve once they reach pension age.”
In the letter the organisations also express concern over ‘the assumption that all younger partners are able to be financially responsible for their household’ and how this ‘does not reflect reality for many couples. In lots of cases, a younger partner will have health conditions or unpaid caring responsibilities that could mean they are unable to work.’
Lynn, 62, and her husband David from Eastbourne have a five-year age gap and have been unable to access the support they need as a result: She said:
“David and I met on a blind date. We’ve been married for nearly 24 years. Although David is my full-time carer, we’ve had a hard time getting any financial support because he’s five years older than me. We used to receive Employment and Support Allowance, but once my husband reached State Pension age, it stopped.
“David and I trudged around four different places, including the council, to try and find out what we were entitled to and we were told we could claim Pension Credit. But after seven months of receiving Pension Credit, we got a letter saying there had been a mistake and we weren’t entitled to it because we are a mixed-age couple. We were told to apply for Universal Credit instead.
“All this happened when we were in the middle of moving house and our Pension Credit payment was due. I remember thinking: Now what are we going to do? and being so worried as we literally had no money for our move. We just couldn’t understand why we were told we were eligible to claim Pension Credit and then the payments were suddenly stopped.
“For the first time ever, we had to turn to a food bank to get by. If it wasn’t for our children, I don’t know what we’d have done. They helped us get through this very stressful time in our lives.”
Jan Shortt, General Secretary, National Pensioners Convention said:
“To treat people differently on the basis of who they fall in love with is nonsense. Mixed age couples are suffering financially because they cannot access the support they need. Decisions made by the government penalise mixed age couples and this must be addressed to enable them to be financially secure in the future.”
