Scotland's referendum: What are the issues around pensions?

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.

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Pensioners sitting on a bench
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....

Pensions and the referendum debate explained

What do we know about the SNP's vision?

What powers does Scotland have?

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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....

White Paper: Health, wellbeing and social protection

Post-Yes pension 'would be stronger'

Minister: Pensions 'secure' post-Yes

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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...

'No clear plan' on Scotland pensions

Cross-border pension rules to stay

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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.....

Viewpoints: Experts on White Paper

Your questions on Scottish independence

Q&A: Your independence questions

Pension age rise 'could be delayed'

At-a-glance: The economics of independence

'No clear plan' on Scotland pensions

Governments clash over pension costs

Brown: UK 'protects' Scots' pensions

Pension age plan 'not fair on Scots'

It is estimated that the pressure for the UK government to raise the state pension age to 67 by 2027 is not as great in Scotland

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Big reading - pensions reports in full

More on This Story

Referendum issues

More Scotland politics stories


Scotland Live

    08:45: Read all about it...

    "Hands Up, I Surrender" is the headline in the Daily Record above a photo of Police Scotland's chief constable Sir Stephen House after yesterday's announcement on armed police patrols.

    Thursday morning's papers

    Both The Herald and The Scotsman describe the decision that armed officers will no longer be deployed on routine patrols as a "U-turn".

    The prime minister's promise to cut tax for millions of families if the Tories are re-elected is the main lead for the Scottish Daily Mail.

    Read the rest of our newspaper round-up here.

    Text 80295 08:35: Police firearms - Your views

    John in Fortingall: Please be careful how you describe this change. There will not be fewer armed police officers on duty. They will still be on armed patrols. It is just that they will not be attending routine calls, even if they are the closest resource. They will be reserved for specialist armed incident and threat to life duties only.

    John, East Kilbride: Why is it always said police on the streets? Where? In their cars is more likely, not like the old days.

    08:31: Morning Call - Your views Louise White Presenter, Morning Call

    Campaigners have hailed a decision by police to overturn the policy of some officers carrying guns in public. We're asking: how much influence should the public have over the police?

    And, at the start of a 22 night sell-out tour of Scotland, Billy Connolly has made light of his health problems. What is it like living with Parkinson's disease?

    The lines are open now. 0500 92 95 00, or text 80295.

    You can listen live from 08:50 here.

    08:20: Scottish universities - Your views

    Following on from our story on Scottish universities, did you attend any of those famous seats of learning? Care to share your memories of university life? Do you ever wake up at 03:00 in a sudden panic that you've missed a tutorial/exam?

    Get in touch via text to 80295, email here or tweet using #ScotlandLive.

    08:15: Moving on up...

    Four Scottish universities have climbed up the Times Higher Education world rankings, despite the UK coming under pressure from overseas competition.

    Edinburgh, Glasgow, St Andrews and Aberdeen universities all performed better than last year.

    However, Dundee University dropped out of the top 200.

    Glasgow University Glasgow University climbed to 94th in the latest rankings

    In first place overall was the California Institute of Technology in the US, holding on to the top spot for the fourth year running.

    Glasgow was 94th and St Andrews 111th. They had shared 117th on the rankings last year.

    Aberdeen university was ranked 178th, up from 188.

    @bbcscotlandnews using #scotlandlive 08:08: Your Pictures

    Douglas Sinclair tweets: Red sky in the morning in the island paradise of Orkney.

    08:06: Sturgeon urges welfare reform delay

    Deputy First Minister Nicola Sturgeon has appealed for major UK welfare reform to be put on hold in Scotland.

    She has written to Prime Minister David Cameron asking for a delay until plans for new powers at the Scottish parliament are considered.

    Nicola Sturgeon

    Universal credit is replacing six benefits and tax credits for working-age people with a single payment.

    It is being phased in across the UK by 2017 and is already available to some claimants in Inverness.

    Lord Smith's commission has been set up to seek agreement on a further devolution of powers to Holyrood.

    08:02: Weather forecast BBC Scotland Weather Latest

    Good morning, Kirsteen here. Mostly dry today during daylight hours, with some brightness & sunshine. S/W winds will strengthen along the west coast... reaching severe gale-force across the Western Isles, Skye & n/w coast. Gusts of up to 65mph. Rain will spread from the west later, too.

    08:00: Welcome Thomas McGuigan BBC Scotland News

    Good morning and a warm welcome from the Scotland Live team on Thursday 2 October as we bring you a comprehensive round up of news, sport, travel and weather between now and 18:00.



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