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To worry about how the heck my public sector pension is going to pay out when I'm old given that the UK almost certainly won't exist by then

141 replies

CurdinHenry · 18/09/2026 15:56

How are the different nations going to agree this I don't want to be a poor old lady damnit

Suppose I'd better start putting more into the private pension too

Also my bit of the UK had better bloody well join the EU early doors

OP posts:
OnGoldenPond · 19/09/2026 01:14

CurdinHenry · 18/09/2026 16:31

Yes, obviously

Not obvious at all. Scotland would have to meet various criteria including financial and it would likely be many years before their independent economy could meet these. Also all current member states would have to agree.

Scotter · 19/09/2026 07:09

SummerAsh · 18/09/2026 23:11

No, I think you are completely mistaken as to how this would work….

Yes, the Public Sector Pensions Act 2013 is UK Law, but unless there was a civil war and the countries of the UK split apart in a violent and disordered way, any dissolution of the Union would by agreement.

This agreement would involve an arrangement for converting current UK law in the new the law of the new states, in much the same way as huge amounts of EU regulations were simply converted directly into UK law upon Brexit.

The new states would then retain, repeal and amend these laws as they saw fit… which realistically wouldn’t involve them erasing all the accumulated earned pension rights of their public sector workers!

Edited

The Scottish nhs has a separate pension from the other NHS’s so it won’t be included, and I was talking about the state pension rather than the public sector pension, but as Scotland has had lots more funding than the England over the years, Westminster would surely be well placed to tell Scotland it should have been making provisions (rather than pissing around with baby boxes, giving money to Hamas, and spending 10 x more than it needed to on ferries).

Scotter · 19/09/2026 07:13

LiuBei · 19/09/2026 00:13

Why do you assume the sum of the individual nations will be poorer than the UK?

Because they all spend far more than they raise in taxes. Scotland for instance spends more than £4,600 than it spends in taxes with rUK filling the gap. If an Indy Scotland wants to break even it has to get that £4,600 per man, woman and child back.

P00hsticks · 19/09/2026 09:27

SummerAsh · 19/09/2026 00:36

Basically she’s admitting that England bankrolls Scotland… Maybe it’s time to cut Scotland loose, let it become our penniless neighbour whilst we become wealthier, not having to pay out subsidies!… Or maybe not, and admit that we are better together as a UK.

That's one of the issues with devolution referenda - who should be asked ?
If there is a referendum on whether one part of the UK should split from another, then should all of those potentially affected be given the chance to vote, not just those directly in the part to be split ?

Take the issue of Irish reunification - ask the people of NI, and I imagine they'd vote to remain part of the UK. but ask those in Eire and rUK and I suspect they'd vote for reuniification.

CurdinHenry · 19/09/2026 09:41

SummerAsh · 19/09/2026 00:36

Basically she’s admitting that England bankrolls Scotland… Maybe it’s time to cut Scotland loose, let it become our penniless neighbour whilst we become wealthier, not having to pay out subsidies!… Or maybe not, and admit that we are better together as a UK.

England will be a lot poorer too

Instability is a bad thing for the economy

OP posts:
CurdinHenry · 19/09/2026 09:41

Parts of England are already unbelievably, horrifyingly poor compared even to eastern europe

OP posts:
Boomer55 · 19/09/2026 09:49

FalseSpring · 18/09/2026 17:16

Most public sector pensions are unfunded! There is no pot paid into by the members!

I paid in for my civil service pension and my local authority pension🤷‍♀️. They have their own schemes.

The state pension, along with all benefits, comes from taxes/NI , as they always have.

JontyGentooey · 19/09/2026 12:18

CurdinHenry · 19/09/2026 09:41

Parts of England are already unbelievably, horrifyingly poor compared even to eastern europe

So are many parts of Scotland. And the USA. And certainly China. Can you point out a beautiful utopia with absolutely no poverty or hardship?

I think you've started this whole thread just to slag off England. You could've done that without the waffle about pensions.

Messedupmyusernameagain · 19/09/2026 12:27

CurdinHenry · 18/09/2026 16:02

The individual nation states will not be capable of paying out what is currently owed (the economics of the thing are dubious even in the unlikely event of non separation tbf)

Well they frankly won't have a choice. They will be contractually obliged to pay it and will have to take on the liabilities. If Scotland can't afford to honour their commitments re the State pension then they won't be able to join the EU because it is unlikely they will reach the financial threshold required. The existing EU countries aren't going to vote to allow Scotland and Wales in just so they can give them endless handouts. There would be uproar amongst the German electorate for a start. Never mind that Spain would veto because they won't want to encourage their own separatists. Ireland are a different proposition although the RoI I don't think want NI.

Scotter · 19/09/2026 12:32

Messedupmyusernameagain · 19/09/2026 12:27

Well they frankly won't have a choice. They will be contractually obliged to pay it and will have to take on the liabilities. If Scotland can't afford to honour their commitments re the State pension then they won't be able to join the EU because it is unlikely they will reach the financial threshold required. The existing EU countries aren't going to vote to allow Scotland and Wales in just so they can give them endless handouts. There would be uproar amongst the German electorate for a start. Never mind that Spain would veto because they won't want to encourage their own separatists. Ireland are a different proposition although the RoI I don't think want NI.

Do you mean public sector pension? Scotland isn’t contractually obliged to pay their citizens a penny in state pension, because it’s a benefit.

Differentforgirls · 19/09/2026 13:10

SummerAsh · 19/09/2026 00:36

Basically she’s admitting that England bankrolls Scotland… Maybe it’s time to cut Scotland loose, let it become our penniless neighbour whilst we become wealthier, not having to pay out subsidies!… Or maybe not, and admit that we are better together as a UK.

England bank rolls nothing.

Messedupmyusernameagain · 19/09/2026 15:05

Scotter · 19/09/2026 12:32

Do you mean public sector pension? Scotland isn’t contractually obliged to pay their citizens a penny in state pension, because it’s a benefit.

yes I meant public sector pensions. They would have to take on the liabilities to pay out pensions to their own government employees because it was part of their contracts of employment.

Scotter · 19/09/2026 16:41

Messedupmyusernameagain · 19/09/2026 15:05

yes I meant public sector pensions. They would have to take on the liabilities to pay out pensions to their own government employees because it was part of their contracts of employment.

But how will that go down? When all benefits have been cut 50% due to financial chaos, and public sector workers are taking the government to court to get £30k a year in retirement, theyre going to look even more grabby than the WASPI women!

PHB65 · 19/09/2026 17:36

Tin foil aisle 2

Pherian · 19/09/2026 17:38

CurdinHenry · 18/09/2026 15:56

How are the different nations going to agree this I don't want to be a poor old lady damnit

Suppose I'd better start putting more into the private pension too

Also my bit of the UK had better bloody well join the EU early doors

You should not be relying on the UK state pension alone. It pays peanuts and it’s certainly not enough to live off. I suggest you start putting as much as you can into private pension and Isa’s . Ensure all your debt is paid off. Then you’ve got a fighting chance.

summater · 19/09/2026 18:08

Maybe you might have to move to England to get your pension, maybe we will have a big influx of people in the NHS doing this near retirement.

Scotter · 19/09/2026 18:10

summater · 19/09/2026 18:08

Maybe you might have to move to England to get your pension, maybe we will have a big influx of people in the NHS doing this near retirement.

How would that work? If you’re part of the nhs Scotland pension scheme, it’s Scotland who will be paying out. NHS England will pay pensions of the nhs England workers.

RetiredGranny · 19/09/2026 18:43

Public sector pensions cover many different types of organisations. The OP hasn't specified which one she has. Local Government, Civil Service, NHS, Prison Service, Fire Service, teachers, police, armed services and the judiciary all have public sector pensions. All are covered by the 2013 Public Service Pensions Act www.legislation.gov.uk/ukpga/2013/25/contents. They are the best sort of pension to pay into as they don't depend on you having a personal pot of money; they relate to years of service and your salary over the years. You don't want to be putting your money into a riskier personal pension that your employer doesn't contribute to. Whatever happens to the UK, even if there were to be a split, arrangements would be made for your pension to be transferred to a new body.

AlliWantIsARoomSomewheeeere · 19/09/2026 21:41

CurdinHenry · 18/09/2026 16:40

I want to be independent from Brexit mentality and Nigel Farage types but I recognise that my pension is at risk is the point of this thread

Wish we could all declare independence from dunces and send them to a far away place

75% of England want nothing to do with Farage and Brexit mentality.....they aren't the majority. And given how they are f"cking up local councils left right and Chelsea, only the utter imbeciles would still consider voting for them.
They be a loud and aggressive minority, but they are still the minority.

If people had half a brain they would vote to give Labour/Andy a full term. Conservatives have imploded into the far right. greens aren't ready. You don't have to love them to realise they are far far better than any of the current alternatives.

Political parties aren't soulmates, they are buses you take the one that will get you closest to where you wanna (and farthest away from some dingy sh*thole) and then get the next one to your destination....

CurdinHenry · 19/09/2026 22:04

AlliWantIsARoomSomewheeeere · 19/09/2026 21:41

75% of England want nothing to do with Farage and Brexit mentality.....they aren't the majority. And given how they are f"cking up local councils left right and Chelsea, only the utter imbeciles would still consider voting for them.
They be a loud and aggressive minority, but they are still the minority.

If people had half a brain they would vote to give Labour/Andy a full term. Conservatives have imploded into the far right. greens aren't ready. You don't have to love them to realise they are far far better than any of the current alternatives.

Political parties aren't soulmates, they are buses you take the one that will get you closest to where you wanna (and farthest away from some dingy sh*thole) and then get the next one to your destination....

Edited

I know, probably more than 75% tbh

But the extremists have an inroad to control even so

Nobody with a job would admit to supporting them in Scotland

OP posts:
DontBuyAnotherBook · 19/09/2026 22:11

CurdinHenry · 18/09/2026 16:01

All signs point to the good Friday agreement trigger for a border poll this parliament (and Ireland will vote to unify)

This will fuck and isolate GB as the common travel area withers and dies

Scotland will watch with envy and decide to go the same way (and kill off the Farage threat for good) and Burnham (correctly) won't stand in the way

Wales idk I can never work out their prospects or desires

But there is a clear appetite for separation and honestly overall I'd rather be in an independent Scotland in the EU at this point but also

what about my pension

Edited

Oh well maybe you should have thought about that when campaigning for independence. 🤷 They will have to fund it for you for rather than Westminster.

DontBuyAnotherBook · 19/09/2026 22:13

Differentforgirls · 19/09/2026 13:10

England bank rolls nothing.

Nothing? It gets a fair amount from Westminster. You don't think Scotland won't miss that with Independence?

CurdinHenry · 19/09/2026 23:34

OnGoldenPond · 19/09/2026 01:14

Not obvious at all. Scotland would have to meet various criteria including financial and it would likely be many years before their independent economy could meet these. Also all current member states would have to agree.

Yes

Scotland will meet them

OP posts:
CurdinHenry · 19/09/2026 23:35

DontBuyAnotherBook · 19/09/2026 22:13

Nothing? It gets a fair amount from Westminster. You don't think Scotland won't miss that with Independence?

There's synergy every part of the country will miss

OP posts:
Differentforgirls · 20/09/2026 05:01

DontBuyAnotherBook · 19/09/2026 22:13

Nothing? It gets a fair amount from Westminster. You don't think Scotland won't miss that with Independence?

We get less than we put in.

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