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Will I still get my state pension?

Yes. The Scottish Government has guaranteed to continue to pay every state pension after independence including all the rights you have built up to enhanced pensions such as through Serps.

The Department for Work & Pensions has confirmed that UK pensions will continue to be paid in full, even if Scotland becomes independent.

Will my state pension be as much as it is now?

Yes, in fact it will be better. The Scottish Government have guaranteed a “triple lock” on state pensions after independence – something Westminster have only put in place until next year’s General Election. This triple lock means the state pension after a Yes vote will rise in line with prices and earnings, or by 2.5%, whichever is highest.

The morning after she called the general election, Theresa May was on the radio and was challenged to say that the Tories would have a commitment to the triple lock on pensions in the manifesto, and she would not do that.

As with the effects of a Universal Basic Income, a better pension would also benefit Scotland as more cash would be injected into the economy, leading to higher spending, more money available for wages and higher production.

Will I still receive the new single tier pension being offered by Westminster after independence?

Yes. The Scottish Government will pay a single tier pension of £160 a week from 2016 – that’s £1.10 a week higher than is being offered by Westminster.

What happens to my occupational pension?

Occupational and personal pension rights will stay the same after independence – you have accrued these benefits and are legally entitled to them.

What happens to my NHS / civil service / council pension?

The Scottish Government will meet all public sector pension obligations and all schemes will be fully protected. The Scottish Public Pensions Agency are already administering a lot of public sector pensions here and will take on new responsibilities after independence, and that may create new jobs – a bonus.

How do UK pensions compare to the rest of the EU?

Not very well!

EU pension comparison chart

EU pension comparison chart

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Were Scottish pensioners lied to during Project Fear?


The prospects for UK pensions is not as good as the Scottish Government had promised in the run up to the Independence referendum.
If we stay in the UK it looks very likely that the triple lock will be removed and the pension age will creep up until we Scots die before we can claim ours.
See this blog post.

Better Together lied to pensioners

Better Together lied to pensioners

Could an independent Scotland afford better pensions?

Pensions are more affordable in Scotland because we pay more tax per head than in the rest of the UK. Expenditure on pensions and benefits known as “social protection” have been lower in Scotland in each of the past five years.

For example, social protection in 2012/13 was 15.5% of Scotland’s national wealth, compared to 16% for UK.

Will the state pension age stay the same?

It could be lower. The UK government will raise it to 66 by 2020 and then move it to 67 later. The Scottish Government think that is unfair because Scots do not live as long, so would get less pension if we stay with Westminster.

After independence, a Scottish Government will ask pensions experts to look at keeping the retirement age below 67.

I am on Savings Credit, will I still get that?

Yes, the Scottish Government will pay savings credit at £18 a week, benefiting 9000 low income pensioners. Westminster plans to abolish Savings Credit after April 2016. So voting No will hurt the poorest.

What will happen to my Private pension?

The arrangements you have with a private pension company will be unaffected.

Will I still receive my Winter Heating Payments?

Scotland’s social justice secretary has promised not to abolish, cut or means-test the winter fuel payment when it comes under Holyrood control.

The government said no-one who receives the benefit currently would lose it.