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State Pensioners: Personal Allowance

15 June 2026

Lead MP

John Lamont
Berwickshire, Roxburgh and Selkirk
Con

Responding Minister

Torsten Bell

Tags

NHSTaxationScotlandForeign AffairsEnergyBenefits & Welfare
Word Count: 7408
Other Contributors: 5

At a Glance

John Lamont raised concerns about state pensioners: personal allowance in Westminster Hall. A government minister responded.

Key Requests to Government:

The MP asks the government to consider a separate personal allowance for pensioners to alleviate tax pressures on smaller pensions, scrap stamp duty land tax and LBTT to help pensioners downsize, and cut renewable energy subsidies and carbon taxes to reduce household energy bills. He also requests that the Minister listens carefully to the concerns raised by Tim Mason and the petition supporters.

How the Debate Unfolded

MPs spoke in turn to share their views and ask questions. Here's what each person said:

Lead Contributor

Berwickshire, Roxburgh and Selkirk
Opened the debate
The MP is concerned about the growing number of pensioners who are required to pay tax on their state pensions due to rising state pensions and frozen personal tax allowances. He highlights that some pensioners face distressing and worrying situations, such as unexpected tax bills and reduced incomes from previous sources like Royal Mail pensions. The organisation Silver Voices has pointed out that taxing the state pension undermines the retirement safety net designed for basic necessities in retirement. Additionally, he notes challenges such as higher heating and fuel bills, and points to past policy changes by Labour and SNP governments that stripped away winter fuel allowance, causing hardship.

Government Response

Torsten Bell
Government Response
It is a pleasure to speak in the debate with Dr Rupa Huq in the Chair. The Minister thanked John Lamont for opening the debate and highlighted the fall in pensioner poverty while noting it was no grounds for complacency about future years. Over 100,000 people have signed a petition supporting the issue discussed. The Government's priorities are to raise the state pension and rescue the NHS, with the full new state pension projected to rise by £2,100 over this Parliament. The Minister acknowledged the importance of the triple lock but also noted the impact of policies introduced in the 1980s that decoupled pensions from earnings uprating, contributing to increased pensioner poverty. The basic and new state pensions increased by 4.8% in April, boosting incomes by £575 a year for the poorest pensioners. There was also an increase in the pension credit minimum guarantee by 4.8%. One in five people over 75 were on NHS waiting lists, but this number has fallen by over 400,000 since the Government took office. The Minister emphasised that doubling the personal allowance for pensioners would come at a substantial fiscal cost of several billion pounds annually and was inconsistent with their priorities. Over 80% of pensioners were already paying income tax under the previous government. Despite extending the personal allowance freeze, the UK has one of the most generous personal tax allowances in the OECD and G7. The tax system recognises pensioners through measures like no national insurance payments over state pension age and multiple tax allowances. The Minister promised to ease administrative burdens for pensioners so they do not have to pay small amounts of tax via simple assessment from 2027-28.
Assessment & feedback
Summary accuracy

About Westminster Hall Debates

Westminster Hall debates are a chance for MPs to raise important issues affecting their constituents and get a response from a government minister. Unlike Prime Minister's Questions, these debates are more in-depth and collaborative. The MP who secured the debate speaks first, other MPs can contribute, and a minister responds with the government's position.