For Age Scotland, 2024 was a year of growth as demand for our services continued to increase. This comes as no surprise, with older people trying to manage the rising cost of living, soaring energy bills, and continuing levels of loneliness and isolation.
Access to and long waits for health and social care continue to cause concern. There were also new crises to adapt to, such as the UK Government’s blindsiding decision to remove the Winter Fuel Payment from nearly 900,000 Scottish pensioners.
In the face of these challenges, we’ve grown our helpline and friendship services to support, advise and provide companionship to more older people than ever before.
From record-breaking levels of unclaimed social security identified through our helpline to distributing over 125,000 free information guides distributed to older people, their families and carers.
We are proud of the work we do and how we support older people in Scotland. Our Impact Report outlines what we achieved together last year.
While we have been able to support thousands of people in later life, there are many more who still desperately need our help.
We are more determined than ever to be there for those older people most in need and remain committed to ensuring that Scotland becomes the best place in the world to grow older. But we can’t do that alone.
Together, we can make Scotland the best place in the world to grow older.
Lothian Buses is delighted to announce that Age Scotland has been chosen as its new Charity of Choice partner for the next two years following a staff vote of the company’s 2600+ strong workforce.
Age Scotland work to improve the lives of older people in Scotland. They provide a free helpline and information service, support older people’s groups, promote age and dementia-friendly communities, deliver wellbeing programmes, and campaign on behalf of older people.
The partnership, which will run until the start of 2027, will help support Age Scotland’s vision to ensure Scotland is the best place in the world to grow older and will provide the charity with an invaluable opportunity to raise awareness of its work and services across Edinburgh and the Lothians.
There will be unique marketing opportunities including the wrapping of a bus in Age Scotland messaging, and all funds raised from this partnership will contribute to Age Scotland’s community development work across Lothian’s network, including assisting the work of over sixty Age Scotland Member Groups.
Gaynor Marshall, Communications Director for Lothian, said: “We’re delighted to welcome Age Scotland as Lothian’s Charity of Choice 2025-26.
“Lothian is proud to be part of the communities we serve, and we look forward to working with the team at Age Scotland over the course of the next two years to raise awareness of the support they can offer – helping to tackle loneliness, support inclusion, and deliver better lives for older people across our operating area.”
Katherine Crawford, Chief Executive of Age Scotland, said: “Tens of thousands of older people across the Lothians experience loneliness and this wonderful partnership means we can reach many more people with the services we offer to help, and support dozens of local groups and clubs which keep older people connected.
“We’re incredibly grateful to the staff at Lothian who voted for us to be their Charity of Choice over the next two years, and I just know that our work together will have a really positive impact on the communities that Lothian serve so well.”
Universal payments to be reinstated from next year
The Scottish Government will provide universal support through the introduction of Pension Age Winter Heating Payments next year ensuring a payment for every pensioner household in winter 2025-26.
Social Justice Secretary Shirley-Anne Somerville has confirmed that on the roll-out of the new benefit next winter, pensioners in receipt of a relevant qualifying benefit, such as Pension Credit will be receiving Pension Age Winter Heating Payments of £300 or £200, depending on their age. Meanwhile all other pensioner households will receive £100 from next winter, providing them with support not available anywhere else in the UK.
Ms Somerville also announced a £41 million package of support for people struggling with energy costs this winter. These measures include an additional £20 million which will be provided for the Scottish Welfare Fund, to enable councils to provide more vital support to people in crisis this winter.
An additional £20 million will be invested into the Warmer Homes Scotland Scheme, the national fuel poverty scheme which helps people install energy efficiency measures and more efficient heating systems, saving on average around £300 per year in household energy bills.
Meanwhile grant-funding of £1 million will be made available to registered social landlords and third sector partners to fund work to help sustain tenancies and prevent homelessness. This is in response to calls from a coalition of housing and anti-poverty organisations for a shift in spending from crisis intervention to prevention.
https://twitter.com/i/status/1862188516400120274
Ms Somerville said: “The measures I have announced today will go some way to allay the fears of pensioners in Scotland ahead of next winter, but the Scottish Government recognises that more must be done.
“Ahead of next winter I will bring forward regulations to introduce universal Pension Age Winter Heating Payments in winter 2025-26 for Scottish pensioners.
“This universal benefit – providing much needed support not available anywhere else in the UK – will deliver support for all pensioner households as we had always intended to do before the UK Government decision to means-test Winter Fuel Payments cut the funding available to support our new benefit in Scotland this winter by £147 million.
“We will not abandon older people this winter or any winter. We will do our best to make sure no-one has to make a decision between heating and eating, and we will continue to protect pensioners”.
Reacting to yesterday’s announcement by the Scottish Government, Debbie Horne, Scotland Policy and Public Affairs Manager at Independent Age said: “The reintroduction of winter heating support for all pensioners in Scotland from next winter is welcome and will offer some comfort to the 900,000 pensioners who were set to completely lose the previous Winter Fuel Payment.
“Since the decision to restrict the Winter Fuel Payment to only older people on Pension Credit, we’ve seen a surge in the number of older people getting in touch with Independent Age who are worried about heating their homes, and making ends meet, through the winter. Many have told us they are heating only one room, staying in bed all day with a blanket, and cutting back on food to avoid the energy costs associated with cooking.
“With energy prices set to rise again in January, and a staggering 330,000 older households living in fuel poverty in Scotland, it is clear that changing the eligibility of the payment in this way was the wrong decision. It is positive that this has been recognised in Scotland, with the Scottish Government making a payment available to all older people next year, and we hope the UK Government will also reconsider their decision.
“In a compassionate and socially just society, no one should face fuel poverty. We are pleased the Scottish Government has listened to older people, and taken this action today. However, we remain concerned about older people who face this winter without this much needed financial support.
“Going forward, the Scottish Government should continue to monitor the situation and be open to taking further action in future.”
A spokesperson for AGE SCOTLAND said: “Bringing back an energy support payment for all pensioners is very good news and will be a huge relief. It shows the power of this campaign and the relentless efforts from all quarters.
“The decision to remove the universal winter fuel payment by the UK Government, and its impact on pensioners this winter is nothing short of disastrous.
“Over the last few months we have been urging the Scottish Government to bring this back and we are delighted that they have listened to the strong arguments and have taken action.
“It also demonstrates the power of devolution and what Scotland can do when we put our minds to it.”
Energy regulator Ofgem has today (Friday 22 November) announced a 1.2% increase of the energy price cap for the period covering January-March 2025.
The change to the price cap – which sets a maximum rate per unit and standing charge that can be billed to customers for their energy use – will rise by £21 for an average household per year or around £1.75 a month.
For an average household paying by Direct Debit for dual fuel this equates to £1,738 per year. This is 10% (£190) cheaper compared to January-March 2024 (£1,928) and 57.2% (£2,321) less than the energy crisis (January-March 2023).
It comes as analysis by Ofgem shows around 1.5million households switched tariff over the past three months. The regulator is urging customers to take advantage of the rising choice in the market and look for the best deal to help keep their household bills down. By switching, savings of up to £140 are currently available.
Following a call by Ofgem in August for suppliers to offer more choice with low and no-standing charge tariffs, there has been an increase in the number of suppliers offering these kinds of deals. There are currently 8 available that are at least 10% below the level set in the price cap.
However, while these come with a lower standing charge, they do have a higher unit rate. They could benefit customers with lower energy usage but will not work for everyone so consumers should carefully consider what works for them.
Tim Jarvis, director general of markets at Ofgem, said: “While today’s change means the cap has remained relatively stable, we understand that the cost of energy remains a challenge for too many households.
“However, with more tariffs coming into the market, there are ways for customers to bring their bill down so please shop around and look at all the options.
“Our reliance on volatile international markets – which are affected by factors such as events in Russia and the Middle East – means the cost of energy will continue to fluctuate. So it’s more important than ever to stay focused on building a renewable, home-grown energy system to bring costs down and give households stability.
“In the short term though, anyone struggling with bills should speak to their supplier to make sure they’re getting the help they need and look around to make sure they’re on the best, most affordable deal for them.”
The regulator is encouraging customers to consider the way they pay their bills. Around 5 million customers pay by standard credit payments – which means paying for energy after it has been used. But this is much more expensive, particularly over the winter months.
Customers could save £100 by simply switching from standard credit payments to Direct Debit payments or smart PPM, which remains the cheapest way to pay for energy.
The cheapest deal on the market could save a typical dual fuel customer £210 compared to the upcoming price cap level. However, this requires signing up for an additional boiler cover service.
There are other cheaper fixed deals on the market which don’t require additional services that could save customers more than £140 per year compared to the upcoming cap level.
If consumers are worried about paying their bills, they can contact their supplier for support. Ofgem’s rules mean they must work with their customers to agree an affordable payment plan. They may also be able to help by offering more time to pay, access to hardship funds and advice on how to use less energy.
Age Scotland’s Policy Director, Adam Stachura, said: “This latest increase to the energy price cap is yet another blow for older people facing the coldest months without the safety net of the Winter Fuel Payment.
“At a time when many are already feeling under pressure, news that bills are set to rise further still will put those already struggling in an extremely difficult position. They will be very disappointed that there is no end in sight, and no support measures identified for those not claiming or not eligible for Pension Credit.
“Pensioners in Scotland are the most starkly affected by fuel poverty, so government must deliver much more to support them or the numbers in this grim position will spiral further. This another compelling reason for the Scottish Government to bring back the universal entitlement to the Winter Age Pension Heating Payment next winter.
“With Scotland already recording the coldest temperatures in the UK, we are seriously concerned about older people’s health being jeopardised if they are unable to heat their homes.”
Consumer Scotland Head of Energy Kate Morrison said: “Although lower than at the peak of the energy crisis, energy bills are still historically high and will rise further in January.
“One of the legacies of the past two years of high bills has been a growth of energy debt and arrears in the GB domestic market which now exceeds £3.6bn – a record high – and bill increases will impact further on levels of debt
“This will be a challenging winter for consumers, particularly those with higher energy needs including disabled people and those with health conditions.
“There is a need for governments to design and deliver better targeted energy affordability support for consumers, particularly given current levels of debt and ongoing pressure on household budgets.”
We strongly oppose the decision to restrict #WinterFuelPayment eligibility to only those in receipt of Pension Credit as it means 89% of Scottish pensioners will go without this vital support to stay warm this winter.
Scottish Government left with “no choice” following funding cut
Plans to means-test Winter Fuel Payment in England and Wales will see the Scottish Government’s funding cut by up to £160 million.
Social Justice Secretary Shirley-Anne Somerville has confirmed the Scottish Government therefore has ‘no alternative’ but to replicate the decision in Scotland and restrict payments to pensioners who receive eligible benefits.
Social Justice Secretary Shirley-Anne Somerville said: “Despite all efforts to review our financial position we have been left with no choice but to follow the UK Government and restrict payments to older people who receive relevant eligible benefits.
“This is a necessary decision when faced with such a deep cut to our funding and in the most challenging financial circumstances since devolution. The reduction we are facing amounts to as much as 90% of the cost of Scotland’s replacement benefit, the Pension Age Winter Heating Payment.
“Given the UK Government’s decision to restrict payments to those in receipt of means-tested benefits, such as Pension Credit, and the implications for the Scottish Government detailed above, I have urged the Secretary of State for Work and Pensions to undertake a benefits take-up campaign for Pension Credit and to move forward with plans for a social energy tariff.
“Both of these measures will provide some further protection to energy customers in greatest need.”
Deputy First Minister Kate Forbes commented:
The UK Government’s decision to means-test the Winter Fuel Payment in England and Wales will see our funding cut by up to £160 million.
The Scottish Government has been left with no choice but to replicate the decision in Scotland.
Age Scotland: Winter Fuel Payment decision ‘brutal’ for Scottish pensioners
Age Scotland is continuing to urge the UK government to reconsider plans to scrap the winter fuel payment for pensioners who do not receive pension credit.
The charity has responded to news that, following the UK Government’s plans to means-test the Winter Fuel Payment, the Scottish Government will have no alternative but to replicate the decision in Scotland.
Age Scotland’s Policy Director, Adam Stachura, said: “It’s infuriating that huge numbers of older people will miss out on the vital Winter Fuel Payment when it is devolved to Scotland.
“We recognise the financial challenge the Scottish Government would face to make up the shortfall to keep the payment universal, but we desperately hoped there could be a more effective delivery of this payment and that it could have looked more generous than the UK Government’s new, and meagre, approach.
“At minimum, a quarter of a million pensioners in Scotland on the lowest incomes or living in fuel poverty will no longer receive this vital financial support over the winter months, while hundreds of thousands more on modest incomes are going to struggle with their energy bills even more than normal as a result.
“This brutal decision by the UK Government was made too fast, cuts too deep and its impact will be severe. It’s important that they rethink this move, as it has a huge impact on the devolution of social security and the needs of Scottish pensioners who live in some of the coldest homes in the UK.”
Visit www.age.scot/SaveWFP to sign Age Scotland’s petition to save the Winter Fuel Payment.
Age Scotland is urging the UK government to reconsider plans to scrap the winter fuel payment for pensioners who do not receive pension credit.
Scotland’s charity for older people has said the move will push tens of thousands of low income pensioners in Scotland further into poverty, and puts some of the poorest older people at greater risk of ill-health and burgeoning debt.
The Chancellor, Rachel Reeves, announced the decision to means test the winter fuel payment – which is worth up to £300 a year for those of state pension age – on Monday. Anyone who does not receive, or claim, pension credit will no longer get the payment aimed at helping older people with fuel bills over the coldest months.
Katherine Crawford, chief executive of Age Scotland, said: “This move will effectively take money away from some of the lowest income pensioners in Scotland.
“There are currently more than 150,000 pensioners living in poverty in this country, and we know that many more are living on incomes just above the pension credit threshold. They will now miss out on a payment which could help them heat their homes and stay warm over winter.
“I would urge the UK government to look again at this decision, which affects older people who are already struggling with the high cost of living and will now face being worse off at a time they desperately need support.
“Already we are getting calls to our helpline from older people who are distressed by the announcement and worried about what lies ahead. I would call on anyone in that position to get in touch with our free helpline on 0800 12 44 222 where our advisers can carry out a full benefits’ check to ensure that you are getting everything you are entitled to.
“We know that around 123,000 pensioners in Scotland who are eligible for pension credit are not claiming it – and they are some of the people who are going to be worst affected when the payment is withdrawn. Just 140,000 pensioners do claim pension credit, which leaves many thousands losing out who really cannot afford to do so.
“The winter fuel payment is due to be devolved to the Scottish Government and our hope is that it will be restored as a universal benefit, particularly in light of the fact that Scotland does generally experience worse weather than other parts of the UK and more than half of those who receive it use it as an important part of winter budgeting.
“Keeping or reinstating the winter fuel payment will also ensure that money is going to those who need it most, when they need it most.”
The Scottish Government has also expressed ‘disappointment’ at Rachel Reeves decision.
Social Justice Secretary Shirley Ann Somerville said: “The Chancellor’s decision to means-test Winter Fuel Payment is disappointing and was made without consultation or discussion with the Scottish Government.”
Age Scotland has identified £1,577,341.81 of unclaimed benefits for older people who called their helpline in 2023, more than double the figure for the previous year, and a record amount for the charity.
Scotland’s national charity for older people said the amount – a remarkable 136% increase on the 2022 figure – is still the ‘tip of the iceberg’, with millions of pounds unclaimed by older people who are entitled to more financial support.
Katherine Crawford, Age Scotland’s chief executive, said: “Many of the callers to our helpline are facing severe financial hardship, in part due to the ongoing cost of living crisis.
“For the tens of thousands of pensioners in Scotland on low and middle incomes, claiming the full range of benefits to which they are entitled can be the difference between heating their home or not and being able to eat well.
“Our helpline advisers, who carry out benefits checks, have also noticed an increase in the number of over 50s inquiring about working age benefits, such as Universal Credit, as the impact of the cost of living crisis continues to bite.
“However we still believe that this is only the tip of the iceberg and that there are millions of pounds of benefits for older people which are not being claimed.
“Unfortunately there is a real lack of awareness around what support is available and a strong feeling that the application processes are too hard. Around a third of over 50s say they don’t claim what they are entitled to because they feel guilty doing so or that someone else would be more deserving. We must change this as far too many go without the help they have earned.
“We would encourage more older people in Scotland to call our helpline for a free benefits check. Our expert advisers can help callers navigate the complex benefits system – and the results could be life changing.”
Among the benefits available to older people in need are Pension Credit, available to people over State Pension age on low income or with modest savings, to help with the cost of living, and Attendance Allowance, a payment for people over State Pension age who have a physical or mental disability.
Anyone over the age of 50 can call the Age Scotland national helpline on 0800 12 44 222.
Case Study 1:
Mr A is a father of 5 school age children. He has health problems and also provides care for his 19 year old adult son. He was previously on Tax Credits but has now had to make a claim for Universal Credit and was unsure about how much he might be able to get.
We carried out several calculations to look at the full range of his potential entitlements, factoring in all of his financial and family circumstances, in particular being able to reassure him that restrictions like the benefit cap and two child limit would not apply in his case.
We were able to explain to him that he could be entitled to the equivalent of £38, 342 per year in benefits and gave him advice about some common problems he might encounter when claiming and what steps he could take if these happened.
Case Study 2:
Mrs M called from South Lanarkshire after being signposted to Age Scotland by DWP Pension Credit team.
She is in her late sixties and has been the main carer for her husband. He recently passed away and she has been struggling to manage rising costs on her state pension. She applied for Pension Credit and was informed she is £2 over the threshold to qualify for this.
During the call, she explained she has COPD and other health issues. Her caring role has taken a toll on her health, and she finds it more difficult to cope on a daily basis. We discussed Attendance Allowance, and she plans to apply for this. When awarded this will increase her income by £68 per week in addition to making her eligible for a Pension Credit award of approximately £70 per week.
AGE Scotland has produced a new guide to support older people through the #costofliving crisis.
It’s packed with advice on energy bills, tips on how to shop smart and eat well when food prices bite, cost-effective recipes, and a directory on where to go for help:
The cost of living crisis is forcing many older people to make incredibly difficult financial choices between powering and heating their homes and the food they can afford to buy.
Age Scotland’s helpline is hearing from an increasing number of older people who are finding it near impossible to pay their energy bills, having cut down on all but the essentials, and are now at risk of falling into unmanageable debt as a result.
Their Big Survey 2023 really highlights the stark reality and toll the cost of living crisis has taken on older people’s financial and physical wellbeing.
Age Scotland has pulled together this guide to support older people as we believe nobody should face the ongoing cost of living crisis alone.
It’s packed with advice on energy bills, tips on how to shop smart and eat well when food prices bite, recipes from top Scottish chefs, including Tom Kitchin and Tony Singh, and a directory on where to go for help.
We hope you find it useful. For further help and advice or to get a benefits check please call our free Helpline on 0800 12 44 222.
A third of over 50s say a bank is an essential service in their area
Almost a third of older people have said the Scottish Government’s 20 Minute Neighbourhood initiative cannot work in their community due to a lack of available local services and facilities.
Age Scotland’s Big Survey 2023 asked older people about the proposal, currently under consideration, which aims to allow everyone access to essential goods and services within a 20 minute journey from home.
When asked what services would be essential for a ‘20 Minute Neighbourhood’ to be successful, 32% said a bank, 23% said a post office and 23% said community spaces. The top three facilities that respondents felt essential were accessible toilets (41%), good digital connectivity (33%) and buses with local bus stops (25%).
The findings highlight the importance to older people of being able to go into a bank branch or post office to manage their money, an arrangement that has become increasingly challenging with the widespread closure of bank branches across the country.
The availability of accessible and clean toilets is another factor which determines whether some older people feel confident getting out and about in their local area.
Other important facilities and services included access to a hospital and GP service, a supermarket or grocery store, and access to local green spaces.
These findings showcase the importance of access to health and wellbeing facilities in a local community, in addition to local services and social spaces.
However, Scotland’s national charity for older people found that although 28% of respondents said they already lived in a 20 Minute Neighbourhood and 23% believed it could be achieved, almost one third – 32% – said it was not possible and they didn’t think it could work in their community.
Additionally, older people living in rural areas all said a 20 Minute Neighbourhood was unachievable, further highlighting the barriers older people in remote communities face with accessible transport and local high street closures.
Katherine Crawford, chief executive of Age Scotland, said: “Our findings show that for many older people 20 Minute Neighbourhoods won’t work because of a lack of the services that they use on a regular basis.
“Bank branches, for example, are hugely important for the tens of thousands of older people who do not have access to internet banking and prefer to manage their finances by going into a branch and speaking to a member of staff face to face.
“The slew of bank branch closures we have seen across Scotland, creating banking deserts in some parts of the country, have forced many older customers to drive or take public transport some distance to find a branch in a larger town or city. That certainly doesn’t meet the 20 minute aspiration.
“Equally the closure of some public toilets is off putting to some older people who worry about travelling any distance from home without knowing there are clean and accessible public toilets nearby.
“The concept of 20 Minute Neighbourhoods is a great way to encourage people to use local services – but if they services they need are not available, then it doesn’t work.
“We would call on local authorities to keep public toilets open wherever possible and to banks to think about the consequences of their closures before pulling out of communities and depriving older customers of easy access to their money.
“It is vital that older people’s views help shape the 20 Minute Neighbourhood initiative, and investing in local services that are important to them will go a long way to ensuring that the scheme benefits entire communities.”
The Big Survey 2023
Our national survey of more than 4,100 over 50s in Scotland captures their views and experiences, identifies the challenges older people face in Scotland today, and broadly tracks how lives have changed over time.
