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In an independent Scotland, all public service pension rights and entitlements which have been accrued will continue to be fully protected and accessible – whether they have been accrued in schemes already executively devolved to Scotland or those currently reserved to Westminster. Article 1 of Protocol 1 of the European Convention of Human Rights means that pension rights are property rights under the Convention, which governments must respect.

There will be no difference to individual contribution rates or benefit levels as a result of independence.

On independence, the legislation and rules governing public sector pension schemes, whether reserved or already executively devolved to Scotland, will continue to apply (under the “continuity of law principle”). The arrangements for these public sector pension schemes will therefore continue to operate as at present, bridging the period before and after the date of Scotland’s independence.

Source: Scotland's Future, Scottish Government, November 2013.