English: Here we go: the Tories trying to blame somebody else again, when the Tories did all the motions. It's about time they took responsibility for their actions, and they're not doing that. Let's look at this reality. As I said, there's a Rose in every community. Let's get serious about this. It's known that 33 per cent of men may end up only on the state pension, but 55 per cent of women will end up relying on the state pension - disproportionately affecting women again. We have a situation with the age-barrier issue. A woman who was born in May 1953 will have had a pension in November 2016, a loss of some £2,000. A woman born in May 1954 will not get a pension until January 2020, a loss of some £20,000. For the sake of 12 months, a huge difference. That is not fair. Also, let's go on to this, because the third problem we have is the notice. The women up there will tell you: the notice. My wife will tell you she didn't get notice. This is a big issue. And, when you do get notice - three years - what can you do in three years to prepare for your pension changes? Nothing. That is totally inappropriate and totally ineffective. You are putting these women in a position where they cannot make alternative arrangements, they cannot live on the income they're going to get, they cannot prepare, and that is unfair. I go back to a couple of points here: ages. We talk about negativity, but let's be honest about it - when I tweeted this about 1950s women, I was told off. I was born in 1960. I know the Member who was on the radio this morning will be in the same category. I was born in 1960. What about me? She will be affected as well, because we are thinking only in the 1950s because they're coming up to their pension age now, but this is going to affect women for many, many years. And why should we be debating it? It's not just about supporting women, because this Government will have to pick up the pieces for those women. There will be a demand upon social needs. Those women are now carers very often; whether they're caring for older relatives or grandchildren, they become carers. If they have to work, who's going to be the carers? Who's going to pick up the bill for the carers? The people in the front row here. It affects the Welsh Government. It affects everything we do, and what's more important, it affects the women out there. It's the real situation. Some are able to have occupational pensions, but I think Helen Mary highlighted this: they came from an age where they weren't entitled to occupational pensions; they weren't included in that. Some of them didn't start work until later in life, because of the tradition in those days where they started looking after the family and then came in to work later on, sometimes part-time and built them up. That results in any occupational pension that they did have being very small anyway. And everyone - everyone - relied upon the concept of, 'Well, I'm going to have a pension at the age of 60, and that's my calculation, that's what I'm working towards - a pension at the age of 60, so I can retire and help with the caring needs of my family.' That's been shot, because they now have to work because they can't have the income when they would have retired. And some of those are working in jobs that are physically demanding, and it's going to make them ill as a consequence of that. It's going to make them probably have demands upon social services, social needs, because of that condition they will then get because they're working those extra years. What are we doing as a society, putting that upon women? It's about time we took our responsibilities and treated these women fairly, and the transitional period, thrown out of the window by the Tory Government. These women have been put on the scrapheap. It's about time we stood up and represent these women, and told the Tory Government, 'You have a duty to these women; deliver that duty.' [ Applause.]
Welsh: Dyma ni: mae'r Torïaid yn ceisio beio rhywun arall eto, er mai'r Torïaid wnaeth y cyfan. Mae'n hen bryd iddynt ysgwyddo cyfrifoldeb am eu gweithredoedd, ac nid ydynt yn gwneud hynny. Gadewch inni edrych ar y realiti. Fel y dywedais, mae yna Rose ym mhob cymuned. Beth am fod o ddifrif ynglŷn â hyn. Mae'n hysbys y gallai 33 y cant o ddynion fod yn ddibynnol ar bensiwn y wladwriaeth yn unig, ond bydd 55 y cant o fenywod yn dibynnu ar bensiwn y wladwriaeth yn unig - gan effeithio'n anghymesur ar fenywod unwaith eto. Mae gennym sefyllfa gyda'r mater rhwystr oedran. Bydd dynes a anwyd ym mis Mai 1953 wedi cael pensiwn ym mis Tachwedd 2016, colled o tua £2,000. Ni fydd dynes a anwyd ym mis Mai 1954 yn cael pensiwn tan fis Ionawr 2020, colled o tua £20,000. Gwahaniaeth enfawr ar draul 12 mis. Nid yw hynny'n deg. Hefyd, beth am fynd ymlaen at hyn, gan mai'r drydedd broblem sydd gennym yw'r hysbysiad. Bydd y menywod i fyny yno'n dweud wrthych: yr hysbysiad. Bydd fy ngwraig yn dweud wrthych na chafodd hi hysbysiad. Mae hon yn broblem fawr. A phan gewch hysbysiad - tair blynedd - beth allwch chi ei wneud mewn tair blynedd i baratoi ar gyfer y newidiadau i'ch pensiwn? Dim byd. Mae hynny'n gwbl amhriodol ac yn gwbl aneffeithiol. Rydych yn rhoi'r menywod hyn mewn sefyllfa lle na allant wneud trefniadau amgen, ni allant fyw ar yr incwm y byddant yn ei gael, ni allant baratoi, ac mae hynny'n annheg. Rwyf am fynd yn ôl at rai o'r pwyntiau yma: oedrannau. Rydym yn sôn am agwedd negyddol, ond gadewch inni fod yn onest - pan drydarais hyn ynghylch menywod y 1950au, dywedwyd y drefn wrthyf. Cefais fy ngeni ym 1960. Gwn y bydd yr Aelod a oedd ar y radio y bore yma yn yr un categori. Cefais fy ngeni ym 1960. Beth amdanaf i? Effeithir arni hithau yn ogystal, gan nad ydym ond yn meddwl yn y 1950au am eu bod yn dod at oedran pensiwn yn awr, ond mae hyn yn mynd i effeithio ar fenywod am lawer iawn o flynyddoedd. A pham y dylem fod yn dadlau yn ei gylch? Mae'n ymwneud â mwy na chefnogi menywod, oherwydd bydd yn rhaid i'r Llywodraeth hon ysgwyddo'r baich o ran y menywod hynny. Bydd yna alw o ran anghenion cymdeithasol. Mae'r menywod hynny'n ofalwyr yn aml iawn yn awr; boed yn gofalu am berthnasau hŷn neu am wyrion, maent yn dod yn ofalwyr. Os oes yn rhaid iddynt weithio, pwy sy'n mynd i fod yn ofalwyr? Pwy sy'n mynd i dalu'r Bil am y gofalwyr? Y bobl yn y rhes flaen yma. Mae'n effeithio ar Lywodraeth Cymru. Mae'n effeithio ar bopeth a wnawn, ac yn fwy pwysig, mae'n effeithio ar y menywod. Mae'n broblem go iawn. Mae rhai'n gallu cael pensiynau galwedigaethol, ond credaf fod Helen Mary wedi tynnu sylw at hyn: daethant o gyfnod lle nad oedd ganddynt hawl i bensiynau galwedigaethol; ni chawsant eu cynnwys yn hynny. Ni ddechreuodd rhai ohonynt weithio tan yn ddiweddarach mewn bywyd, oherwydd y traddodiad yn y dyddiau hynny lle roeddent yn dechrau edrych ar ôl y teulu ac yna'n dod i weithio yn nes ymlaen, weithiau'n rhan-amser. Mae hynny'n golygu bod unrhyw bensiwn galwedigaethol a oedd ganddynt yn fach iawn beth bynnag. Ac roedd pawb - pawb - yn dibynnu ar y cysyniad o, 'Wel, rwy'n mynd i gael pensiwn yn 60 oed, a dyna fy nghyfrifiad i, dyna rwy'n gweithio tuag ato - pensiwn yn 60 oed, felly gallaf ymddeol a helpu gydag anghenion gofalu fy nheulu.' Mae hynny wedi mynd i'r gwynt, gan fod yn rhaid iddynt weithio bellach am na allant gael yr incwm pan fyddent wedi ymddeol. Ac mae rhai o'r rheini'n gweithio mewn swyddi sy'n heriol yn gorfforol, a bydd yn eu gwneud yn sâl o ganlyniad i hynny. Mae'n mynd i olygu y byddant yn creu galwadau ar y gwasanaethau cymdeithasol, anghenion cymdeithasol, oherwydd y cyflwr y byddant yn ei gael wedyn am eu bod yn gweithio'r blynyddoedd ychwanegol hynny. Beth rydym ni fel cymdeithas yn ei wneud, yn rhoi hynny ar ysgwyddau menywod? Mae'n hen bryd inni ysgwyddo ein cyfrifoldebau a thrin y menywod hyn yn deg, a'r cyfnod trosiannol, a daflwyd allan drwy'r ffenestr gan y Llywodraeth Dorïaidd. Mae'r menywod hyn wedi'u rhoi ar y domen. Mae'n hen bryd inni sefyll a chynrychioli'r menywod hyn, a dweud wrth y Llywodraeth Dorïaidd, 'Mae gennych ddyletswydd tuag at y menywod hyn; cyflawnwch y ddyletswydd honno.' [ Cymeradwyaeth.]