Not yet. I need to make some progress, as many hon. Members are waiting to speak.
The TV is another voice in a house that was once full of people and very active but is now silent. To remove free TV licences from such people is the most mean-spirited of Government cuts. It will make lonely people lonelier—15% of our older people are lonely—and it will further isolate those who are already isolated.
It has been argued that restricting free TV licences to those in receipt of pension credit is somehow fairer because they are more deserving—the idea of the deserving and the undeserving is very 19th century—but there are several answers to that proposal. First, by the time someone is 75, they have paid their dues to society: they have worked, paid their taxes, and many have brought up children. Giving those people a free TV licence is a way to give something back as a small recognition of their past contribution.
Another argument is that we need a mix of targeted and universal benefits, but the latter—as the Government are discovering—are much harder to cut, because most of the time they are a guarantee of continuance. That argument is based on the myth that there are lots of wealthy pensioners. Recently, a lot of publicity was given to research claiming to show that older people were on average £20 a week better off than those in work, but much of the coverage did not mention that those were the figures after housing costs. If we look at the figures before housing costs, we see that people in work are better off.
Yes, many people in the older age groups own their own homes outright—the figure is about 40% of those born between 1945 and 1965—but that leaves a lot of people paying rent. Some 30% are still paying mortgages, while those who own their homes outright have forgone other spending to pay for them. What do we have now—a Tory Government punishing thrift?
Those who attended the public consultation pointed out very forcibly that in many areas older people have more expenses than younger people. Their heating bills are bigger because they are often at home all day and feel the cold more. Many pay for social care; one lady, whose husband is in a nursing home, is seeing her savings disappear before her eyes because of that expense.
Those figures are for those on median incomes, which means that half of all pensioners are below that level. Age UK states that three in 10 over-75s are in poverty or just above the poverty line—that means 1.9 million people—and 20% cannot afford to go out and socialise even once a month, while 37% cannot afford a holiday away from home.