Scotland's referendum: What are the issues around pensions?
- 30 April 2014
- From the section Scotland politics
The issue of pensions has consistently registered as one of the key issues in the independence debate.
A BBC survey of 1,008 adults ranked it second in a list of the 10 things that mattered most - only the economy was deemed more important.
Here, we bring together the main stories, explainers and official documents covering the issue.
What's the current set up?
State pensions are managed by the UK government, which pays £113.10 a week for a single person and £226.20 a week for a couple. Men claim it at 65 and women at 61. By 2028 the new pension age will be 67.
Find out more....
What could change post-Yes?
In its White Paper on Scottish independence, the Scottish government said the state pension would rise to 66 in 2020 (in line with the rest of the UK) but an independent commission would advise on any changes after that. It also said - in a paper giving more detail to its plan - that it wanted a single state pension to be paid at a similar rate to the rest of the UK.
Find out more....
What about private pensions?
There has been much discussion about what might happen to private pensions in the event of independence. Some in the pensions industry raise questions about how defined benefit schemes might work if Scotland broke away from the rest of the UK. However, others say expected changes to EU regulations could make it easier to run such schemes across borders.
Find out more...
Who is saying what, including you?
Politicians, academics, industry experts and members of the public have had much to say about the current pensions system and what might happen to it in the event of a "Yes" vote.
Find out more.....
Big reading - pensions reports in full
- Scottish government: Pensions in an Independent Scotland
- Scotland analysis: Work and pensions (From Department of Work and Pensions)
- ICAS - Scotland's pensions future: What pensions arrangements would Scotland need?
- Life expectancy and the state pension - Communities Analytical Services, May 2014
- ... and for more reading on the referendum debate go to the BBC's Referendum library