English: Natasha Asghar certainly identifies an important issue. The person in Wales who is least likely to take up their entitlement to welfare benefits is a single woman living on her own aged over 75. There are many, many reasons for that, and many of them are rooted in the gendered experience that I referred to in my earlier answer. They are women whose husbands have died, and they relied in the past on somebody else taking care of money matters within the home. So, there is a lot of work that has to be done to try and give those people the confidence to come forward to claim the things to which they are entitled. It's why we invest such large sums of money in our single advice service; it raised £42 million in unclaimed benefit in Wales in recent times, which shows that it can be done, even though it requires a lot of effort. With some older people particularly, you are dealing with issues of pride as well, and issues of not wanting to get tangled up in a system that they fear may leave them worse off rather than better off. Of course, one way in which older people in Wales can be better off is for the UK Conservative Government not to break another election promise and not go ahead with the triple lock on the rising of pension entitlement, a promise that they made a great deal of in the election campaign of 2019 - a guarantee that pensions would rise by whichever of those three measures was the highest. Now it turns out that it's not convenient for the Chancellor. It wasn't convenient for him to pay international aid, it isn't convenient for him to pay universal credit, and now it's inconvenient for him to pay pensioners as well. People will draw their own conclusions, Llywydd, about where the values of such a Government lie.
Welsh: Yn sicr, mae Natasha Asghar yn nodi mater pwysig. Y person yng Nghymru sydd leiaf tebygol o fanteisio ar ei hawl i fudd-daliadau lles yw menyw sengl sy'n byw ar ei phen ei hun ac sydd dros 75 oed. Mae llawer iawn o resymau dros hynny, ac mae llawer ohonyn nhw wedi eu gwreiddio yn y profiad o rywedd y cyfeiriais ato yn fy ateb cynharach. Maen nhw'n fenywod y mae eu gwŷr wedi marw, ac a oedd yn dibynnu ar rywun arall yn y gorffennol i ofalu am faterion ariannol yn y cartref. Felly, mae llawer o waith y mae'n rhaid ei wneud i geisio rhoi hyder i'r bobl hynny i ddod ymlaen i hawlio'r pethau y mae ganddyn nhw hawl iddyn nhw. Dyna pam yr ydym ni'n buddsoddi symiau mor fawr o arian yn ein gwasanaeth cynghori sengl; cododd £42 miliwn mewn buddion heb eu hawlio yng Nghymru yn y cyfnod diweddar, sy'n dangos y gellir ei wneud, er bod angen llawer o ymdrech i'w wneud. Gyda rhai pobl hŷn yn arbennig, rydych chi'n ymdrin â materion balchder hefyd, a gall materion yn ymwneud â pheidio ag eisiau mynd i'r afael â system y maen nhw'n ofni y bydd yn eu gadael yn waeth eu byd yn hytrach na gwell eu byd. Wrth gwrs, un ffordd y gall pobl hŷn yng Nghymru fod yn well eu byd yw i Lywodraeth Geidwadol y DU beidio â thorri addewid etholiad arall a pheidio â bwrw ymlaen â'r clo triphlyg ar godi hawliau pensiwn, addewid y gwnaethon nhw siarad llawer amdano yn ystod ymgyrch etholiadol 2019 - gwarant y byddai pensiynau yn codi yn unol a pha un bynnag o'r tri mesur hynny fyddai'r uchaf. Erbyn hyn, mae'n ymddangos nad yw'n gyfleus i'r Canghellor. Nid oedd yn gyfleus iddo dalu cymorth rhyngwladol, nid yw'n gyfleus iddo dalu credyd cynhwysol, ac erbyn hyn mae'n anghyfleus iddo dalu pensiynwyr hefyd. Bydd pobl yn ffurfio eu casgliadau eu hunain, Llywydd, ynghylch ble y mae gwerthoedd Llywodraeth o'r fath.