Our charity recently released a new Index into the financial wellbeing of older Scots. Across the country, the results were stark, and closer to home they reveal the tough choices many in later life in the Lothian region are being forced to make.
Our data has shown that, shockingly, in the region, 22% of older people have skipped meals in the last year. Just 20% say that the State Pension is enough to cover basic living expenses.
The Scottish Government recently put forward its Programme for Government, and again, despite rising levels of pensioner poverty, there was no proposed plan to tackle this.
At Independent Age, we know urgent action is needed. A pensioner poverty strategy should include a Pension Credit awareness campaign, which is a vital source of support for older people on a low income that a significant number in the region – 18% – do not even know about.
The results of our Index show the unacceptable financial difficulties many older people in the Lothian are experiencing. This must change. Both the UK and Scottish Government must act.
Debbie Horne
Scotland Policy and Public Affairs Manager at Independent Age
Independent Age is a national charity supporting older people facing financial hardship. You can access advice on money, housing, health and care at independentage.org or through a free helpline on 0800 319 6789.
New paper led by ENU’s Dr Adele Goman is the first randomised control trial of this kind
Hearing interventions such as hearing aids and regular audiology appointments have been linked to a reduction in the number of falls among older adults, according to a new paper led by Dr Adele Goman of Edinburgh Napier University’s School of Health & Social Care.
This research, published today in the Lancet Public Health journal, showed that participants with hearing loss who were randomly assigned best practice hearing care reported an average of 27% fewer falls over the course of three years compared to a control group.
Falls are a leading cause of injury for older people and have rising mortality rates, while hearing loss is highly prevalent among those aged 70 and above. However, existing evidence on the effect of hearing aids on falls is mixed, and limited by the methodology of previous studies.
Goman and her colleagues analysed data from the Aging and Cognitive Health Evaluation in Elders (ACHIEVE) study, a three-year, unmasked, randomised controlled trial of adults aged 70–84 years in the USA designed to study the effect of intervention on cognitive abilities and other health outcomes, such as falls.
The ACHIEVE study was funded by the National Institute on Aging, part of the U.S. National Institutes of Health. It was conducted by a consortium of eight universities in the United States and led by researchers at Johns Hopkins University, Baltimore, MD, USA.
The 977 ACHIEVE study participants, all of whom had hearing loss, were randomly assigned to either receive a hearing intervention or to a health education control intervention. Those randomly assigned to the hearing intervention were offered regular one-to-one audiologist appointments, bilateral hearing aids, the option of additional hearing assistive devices, device use support and educational materials. The health education control intervention group received the same number of appointments with a health educator and more broad educational content on healthy aging.
For this paper, participants were asked to report the number of falls they had experienced over a period of three years. Data indicate that participants who received the hearing intervention reported an average of 27% fewer falls over the course of three years compared to a control group.
Dr Goman’s is the first known large-scale randomised control trial that has examined the effect of hearing intervention on falls.
The researchers believe the reduced number of falls among the hearing intervention group could be down to improved auditory input enhancing spatial awareness, or from having to devote less attention to processing auditory input allowing for more attention to be placed on maintaining postural control.
They are now working on a follow-up study with participants to examine the longer-term effects of hearing intervention on brain health, falls, and other health outcomes.
Dr Adele Goman said: “Hearing loss has previously been associated with a greater risk of falling among older adults, but few studies have directly investigated the connection.
“It is possible that the benefit of improved hearing may have enhanced the spatial environmental awareness of these participants, or that the lower demand on cognitive resources for hearing allowed them to focus more on their movement.
“As this is the first study of its kind, more research is needed to establish our conclusion that hearing intervention may reduce the overall average rate of falls. Our ongoing follow-up will also aim to tell us more about the effect over a longer period of time.
“We hope that these findings have the potential to inform researchers and health professionals, and address a leading cause of injury among older people.”
SAVE THE DATE: SUNDAY 13th JULY at LEONARDO MURRAYFIELD
Exciting announcement! After a couple of technical challenges our Cake Grab Event will be taking place on Sunday 13th July at the Leonardo Murrayfield (great parking and public transport).
What’s a cake grab? 100 lovely local folks bring 100 amazing homemade cakes and we all spend the afternoon stuffing our faces, chatting, playing games, drinking tea and having a great time whilst doing good.
Tickets will be a £10 donation to Vintage Vibes to tackle local loneliness in older people. For now, save the date!
Heriot-Watt University has further cemented its longstanding relationship with leading charity Age Scotland by signing a Memorandum of Understanding (MOU), aimed at accelerating impactful research and innovation to enhance the lives of older people across the country.
The new MOU builds on a rich history of collaboration between Heriot-Watt researchers and Age Scotland, particularly through initiatives led by Professor Alan Gow and the University’s wattAGE network, which has championed healthy ageing projects for several years. This agreement sets the stage for an even closer, more strategic partnership, focused on translating cutting-edge research into tangible benefits for older citizens.
Michelle Beukes, Business Development Manager within the Global Research Institute for Health and Care Technologies at Heriot-Watt, explained: “This MoU marks an exciting step in deepening our collaboration with Age Scotland.
“It creates a structured pathway for expanding our joint efforts and ensures that our research aligns closely with the real-world needs of older people. By combining academic insight with lived experience, we can drive meaningful change and deliver a positive impact forpeople across Scotland.”
Central to the partnership is a shared ambition that will see Heriot-Watt’s world-class research expertise combine with Age Scotland’s unique insight into the lived experiences and challenges faced by older people. Together, they aim to co-create solutions that are not only innovative but also practical, accessible, and impactful.
The collaboration has already produced significant results. Age Scotland is a key partner in ‘CONSOLIDATE’ — a £2 million EPSRC-funded ‘Network Plus’ project led by Professor Gow — which focuses on co-designing technology for people with dementia. This approach ensures that emerging technologies meet actual needs, promoting a better quality of life for users and helping to address pressing challenges in health and social care.
Professor Gow from the School of Social Sciences said: “Over a number of years, we’ve been privileged to partner with Age Scotland on a range of activities and projects that support healthy ageing in Scotland.
“This new phase of partnership builds upon that foundation and will open up many new opportunities, not just as a bridge between research and the third sector but driven by our shared commitment that the voices of older people shape and lead what we do together.
“By working more closely with Age Scotland, we will drive forward research and innovation to positively impact quality of life for all as we get older.”
Beyond research, the MOU outlines opportunities for wider collaboration, including student internships, staff volunteering, community engagement projects, and policy influence initiatives.
With Age Scotland playing a major role in shaping national policy on ageing issues, Heriot-Watt’s research can feed directly into government conversations around healthcare innovation, digital inclusion, and support for ageing in place.
Michelle added: “This partnership is pivotal in strengthening Heriot-Watt’s position as a key player in health and care technologies, particularly in the healthy ageing space. We are committed to creating innovative solutions that don’t sit on a shelf, but that truly transforms lives and with Age Scotland’s expertise and network, we can better achieve this.”
The MOU, which will be governed by a shared strategic plan and regular review, represents a long-term commitment by both institutions to ensure Scotland’s ageing population benefits from inclusive, research-driven innovation.
Katherine Crawford, Age Scotland’s Chief Executive said: “Supporting an older and ageing population is one if the biggest challenges of our time, and one which governments across the world have not yet got to grips with.
“Ensuring older people are at the heart of the research which drives innovation for their benefit is essential. Their unique experiences and perspectives are hugely valuable, but they are often excluded. I am really excited about what we can achieve together by pairing Age Scotland’s networks, insight and expertise with world class researchers at Heriot-Watt University.”
Heriot-Watt’s Health and Care Technologies Global Research Institute is a Worldwide Centre of Excellence for transdisciplinary research, innovation and training. It enables academics to work together with healthcare professionals, industry, and citizens to help co-develop solutions.
Anyone interested in working with this GRI can contact the Global Research Innovation and Discovery (GRID) team at GRID@hw.ac.uk.
A lack of action from the Government to tackle declining cash acceptance could lead to a two-tier society with the most vulnerable bearing the cost, a new report by the Treasury Committee finds.
The Committee heard directly from vulnerable groups, including people with learning disabilities, domestic abuse victims and the elderly, that buying essential goods and services can cost more as the number of places where they can spend their cash is reduced.
People who are already at increased risk of poverty will, therefore, face a poverty premium if cash is not widely accepted by businesses and other organisations.
The acceptance of physical currency for goods and services in the UK is not currently specified in any legislation. This means UK businesses and organisations could choose not to accept cash with no legal duty to accommodate customers’ varying needs.
Evidence submitted during the course of the inquiry sets out the challenge when attempting to assess levels of cash acceptance in the UK. For example, data from LINK in 2024 found half of respondents had been somewhere that did not accept cash or discouraged cash usage in the previous eight weeks. However, when polled by Savanta, 98% of small businesses said they accepted cash.
The lack of consistent evidence makes it difficult for anyone, including the Treasury, to determine the state of cash acceptance in the UK. In its report, the Treasury Committee calls on the Government to undertake vastly improved monitoring and reporting of cash acceptance levels. If it doesn’t, it risks creating a two-tier system where vulnerable groups become excluded from community spaces such as leisure centres, theatres and public transport.
When appearing before the Committee, the Economic Secretary to the Treasury stated: “we have no plans to regulate businesses, big or small, to compel them to accept cash”.
Having heard evidence on the impact of declining cash acceptance on vulnerable communities, MPs on the Committee believe there may come a time in the future when it becomes necessary for the Treasury to mandate cash acceptance if those who rely on physical cash are not adequately supported.
The report also highlights the national resilience benefits of maintaining the ability to spend physical cash, particularly in relation to recent bank outages which Members were told led to a surge in cash withdrawals.
Chair of the Treasury Select Committee, Dame Meg Hillier MP said: “The Government is in the dark on how widely cash is being accepted and that is completely unsustainable. We are at risk of a two-tier society where the most vulnerable bear the brunt and this needs to be a wakeup call.
“Our Committee has sought to give a voice to those groups which are at severe risk of not being heard by Government policymakers. A sizeable minority depend on being able to use cash and they must not be forgotten by Whitehall.
“As a society, we must avoid sleepwalking into a situation where cash is no longer widely accepted. This is the beginning, not the end, of our scrutiny of this issue. The Government needs to take this seriously.”
Pension Credit can top up your income to a minimum level if you’ve reached State Pension age. Lots of people who qualify for it aren’t claiming it, so it’s worth checking if you can get it.
To qualify for Guarantee Credit, your weekly income will need to be less than the minimum amount the government says you need to live on. For 2025/26, this is £227.10 for a single person and £346.60 for a couple. This amount could be higher if you’re disabled, a carer, are responsible for children or have certain housing costs.
You can only get Savings Credit if:
you reached State Pension age before 6 April 2016, or you have a partner who reached State Pension age before this date and was already getting it
and you have qualifying income of at least £198.27 a week for a single person and £314.34 a week for a couple.
Use our free benefits calculator to work out if you might be able to get Pension Credit. You can also call our free Helpline on 0800 319 6789 to speak to an adviser.
How much can you get?
Guarantee Credit tops up your weekly income to:
£227.10 for a single person
£346.60 for a couple (married, in a civil partnership or living together).
You might be able to get more than this if you’re disabled, a carer, are responsible for children or you have certain housing costs. See our factsheet Pension Credit for more information.
Savings Credit can give you up to:
£17.30 a week for a single person
£19.36 a week for a couple (married, in a civil partnership or living together).
The exact amount you’ll get depends on your income.
Savings, investments or other capital of more than £10,000 will also affect how much you get. For every £500 (or part of £500) you have over £10,000, it’s assumed you have an extra £1 of weekly income.
Here’s an example:
Mr Smith is 76 years old. He is not a carer and he has no health conditions or personal care needs. He is single, rents his home and has a State Pension of £140.18 a week and an occupational pension of £25 a week. He also has savings of £11,000. The first £10,000 are ignored, and an extra £1 of income is counted for every £500 above this. This means he has an assumed income from savings of £2 a week. So, his income is calculated as:
£140.18 State Pension + £25.00 occupational pension + £2.00 assumed income = £167.18 total income
Mr Smith’s appropriate minimum guarantee is £227.10
£227.10 appropriate minimum guarantee – £167.18 income = £59.92
This gives him Guarantee Credit of £59.92 a week.
Other entitlements if you get Pension Credit
If you get Pension Credit, you may qualify for other benefits, including:
help with NHS costs, including free dental treatment and travel costs for NHS treatment
help with the cost of glasses and contact lenses.
If you’re 75 or over, you can also apply for a free TV licence.
How to claim Pension Credit
To apply for Pension Credit, call the claim line on 0800 99 1234. You can also claim online if you’ve already applied for your State Pension. Or you can download an application form to print out. You won’t need a stamp when you return your form.
You can apply for Pension Credit up to four months before you reach State Pension age, and any time after. Claims for Pension Credit can be backdated by up to three months if you qualified for it for the whole of that period.
When you claim, you’ll need the following information:
your National Insurance number
information about your income, including your pensions
details of your savings, investments and other capital
your bank account details.
If you have a partner, you’ll need the same details for them too.
Barchester’s Strachan House Care Home in Blackhall is hosting a free Falls Prevention Talk on Saturday 26th April from 11.00 am and is inviting members of the community to attend.
Staff and physiotherapist, Kirsten Macleod BSc Hons who are specially trained in Falls Prevention from Strachan House will deliver the talk which will cover topics such as learning valuable tips and techniques to reduce the risk of falls and promote safety for yourself and your loved ones at home.
Our expert team will guide you through practical exercises and offer advice. There will be plenty of time for Q&A during and at the end of the session. Please come along to Strachan House, 93 Craigcrook Rd, Edinburgh EH4 3PE on Saturday 26th April, if you would like to attend.
General Manager, Fran Fisher says: “We want to help and support relatives, friends and members of our local community to better understand fall prevention.
“We are inviting everyone to come along and listen to our talk to raise awareness and to help give people some information and coping strategies. Please RSVP to StrachanHouse@Barchester.com if you would like to attend.”
Strachan House is run by Barchester Healthcare, one of the UK’s largest care providers, which is committed to delivering high-quality care across its care homes and hospitals. Strachan House provides dementia care, nursing care and respite care.
“Older victims of abuse were locked in and left behind”– that’s the stark warning from Richard Robinson, Chief Executive of Hourglass, the only UK-wide charity dedicated to ending the abuse of older people, as he spoke to the Domestic Abuse Support and Safeguarding roundtable today.
Attending the Inquiry’s final investigation into the societal consequences of the COVID-19 pandemic, Richard Robinson is highlighting the often-overlooked impact of the pandemic and government restrictions on older victims of domestic abuse—many of whom were trapped with their abusers, cut off from support, left out of crisis planning, and their needs ignored in pandemic guidance and restrictions.
Calling for dramatic change, he is urging policymakers to ensure older people are no longer an afterthought at times of national emergency.
The roundtable session, part of the Inquiry’s final investigation (Module 10), took place today, bringing together leading voices from across the domestic abuse and safeguarding sectors to examine the societal consequences of the pandemic, with a specific focus on vulnerable populations.
Speaking ahead of his attendance, Mr Robinson said: “We must be clear: the pandemic intensified existing inequalities, isolating older people and placing many in harm’s way. At Hourglass, we saw a sharp rise in abuse cases as victims were locked in with perpetrators and cut off from help.
Older people in general were left behind – not just in policy, but in protection – and older victim-survivors of domestic abuse were almost entirely ignored. That must never happen again.”
Hourglass data, which Mr Robinson presented to the Inquiry, includes:
A 33% rise in calls to its helpline in 2020/21, with a further 22% increase the following year.
A surge in psychological and sexual abuse cases, and a doubling of reports involving abuse by neighbours.
Widespread concern about neglect and loneliness, with nearly half of the public believing older people became more vulnerable to abuse during lockdown.
Evidence that 43% of adult family homicide victims during the pandemic were aged 65 or over.
Mr Robinson is calling for urgent and lasting change, including a Violence Against Older People Strategy to sit alongside the existing VAWG framework; a comprehensive Safer Ageing Strategy to tackle abuse, ageism, and structural neglect; and ring-fenced, multi-year funding to expand the UK’s critically under-resourced support services for older victims.
He added: “The Covid-19 Inquiry as a whole is a vital opportunity to shine a light on what went wrong and why. But it’s also the moment to commit to doing better.
“Today’s roundtable should highlight that older people must no longer be an afterthought in crisis planning. Their safety, rights and dignity must be central to how we prepare for the future.”
The roundtable is chaired by Kate Eisenstein, Director of Policy, Research and Legal at the Inquiry, and includes representatives from national and specialist organisations across the domestic abuse, justice, and safeguarding sectors.
The charity is urging those keen to support the charity to donate by visiting www.wearehourglass.org.uk/donate or Text SAFER to 70460 to donate £10.
Texts cost £10 plus one standard rate message and you’ll be opting in to hear more about our work and fundraising via telephone and SMS. If you’d like to give £10 but do not wish to receive marketing communications, text SAFERNOINFO to 70460.
Just one in five (21%) older people say the State Pension is enough to cover basic living expenses.
‘Older people living on a low income, with caring responsibilities, or with a health condition are more likely to have cut back on heating and food.’
Independent Age call on Scottish Government to create a Pensioner Poverty strategy.
A charity’s new annual index on the economic wellbeing of older people in Scotland has revealed the difficult reality of being on a low income in 2025.
‘Older People’s Economic Wellbeing Index: Scotland 2024-25’, commissioned by Independent Age and conducted by the Diffley Partnership is a nationally representative poll of people aged 66 and over. This year marks the first year of the Index. The research will be repeated annually to track trends over time.
The Index shows that nearly one in five (19%) older people in Scotland have a household income of less than £15,000 a year, and paints a stark picture of difficulties in later life in income, costs, housing, quality of life and political representation. The research shows that certain groups are being particularly affected by the cost of living on a low income, including carers, people in one-person households and people living with a disability.
The number of older people in poverty is rising, with 156,000 or one in seven currently affected, a number that has risen by 25% in the last decade. Independent Age are calling for the Scottish Government to create a dedicated strategy to tackle this and for the UK Government to make sure that all social security payments provide enough to live on.
Income and financial wellbeing
The Index shows that older people across Scotland on a low income generally do not feel positive about their financial situation and that Government support for older people does not feel sufficient.
Just over one in five (22%) older people with an income of less than £15,000 rate their financial situation as good.
Three in five (61%) older people say the amount they receive from the State Pension isn’t enough to cover basic living expenses.
One in four (24%) older people with a health condition are not aware of Attendance Allowance/Pension Age Disability Payments.
One in four (24%) older women reported having an income of less than £15,000 compared to one in eight (13%) men.
Costs and cutbacks
Rising costs are hitting older people across Scotland, especially those living on a low income. Women, disabled people, carers and one-person households were found to be at particular risk of being financially forced to cut back on heating, skip meals and reduce social interaction.
Almost one in three (29%) older people in Scotland have skipped meals in the last 12 months
Less than half (47%) of older people in Scotland on an income of less than £15,000 are confident they will be able to pay their heating bills over next 12 months
Half (50%) of older people report that they have cut back on heating or utilities at least occasionally because of financial difficulties.
Over four in five (83%) older people with an income of less than £15,000 have cut back on heating or utilities.
Almost a third (32%) of older people with a health condition have skipped meals because of costs, compared to a fifth (21%) without a health condition.
Almost one in four (23%) women frequently or always cut back on heating or utilities, compared to one in six (17%) men.
Housing
The number of older private renters is rising across Scotland, yet this group often feel ignored by society. The Index shows that for too large a number, their housing situation is less than ideal.
People in the most deprived neighbourhoods (SIMD 1) are least likely to own their home outright and the most likely to rent from a social landlord compared to those in all other neighbourhoods (SIMD 2-5).
Older people renting from a private landlord were the least likely to say their home is ‘entirely suitable’ (40%) compared to those who own with a mortgage or loan (61%) or those who out-right owned (63%).
One in four (24%) older people report a challenge with the affordability of their housing, with it becoming unaffordable for them to live there.
Quality of life and political representation
Although most older Scottish residents polled said they are satisfied with their quality of life, most felt they were not well represented by political offices.
63% of people of pensionable age say they are not represented by the Scottish Government. This increases to 77% when it comes to the UK Government.
85% of older people supported the Scottish Government creating a pensioner poverty strategy and 81% supported the creation of an Older People’s Commissioner.
Across the board, older individuals with one or more health conditions are less likely to be satisfied with each aspect of life than those without any health conditions, including their quality of life as a whole (67%; 90%), their level of social interaction with others (66%; 83%), their general health (50%; 90%) and their ability to access public transport (54%; 73%).
Debbie Horne, Scotland Policy and Public Affairs Managersaid: “In a fair and just society, no one should be living their later years cutting back on food or not using the heating. They shouldn’t be living in a home that doesn’t meet their needs. Our new Index paints a stark picture of the reality of living on a low income in Scotland in 2025.
“We’re calling on the Scottish Government to develop a Pensioner Poverty strategy to address the misery felt by a rising number of older Scots on a low income. This should set out actions to boost incomes and social security take up and improve housing affordability and energy efficiency.
“They should also work to create an Older People’s Commissioner who could make sure that the voices of older people across Scotland are heard in policy making. Also, the UK Government must make sure that the social security payments that they control are adequate to live on.
“An Index to measure the economic wellbeing of older people across Scotland is overdue. We know that many in this group feel ignored by wider society, and that the poverty facing many of them isn’t given the attention it needs. We hope that the Index will change that.”
Mark Diffley, Founder and Director of the Diffley Partnershipsaid: “This important new survey provides valuable insight into the challenges older Scots face and highlights areas where support is needed, particularly for those on low incomes.
“Many are struggling financially and feel poorly supported and represented by government bodies and political representatives. Cost cutting behaviours are pervasive amongst older people and are especially prevalent amongst those who are further marginalised, such as those living in deprived neighbourhoods and people with health conditions.
“As the population ages, it’s vital to develop policies which ensure financial security and confidence to support continued independence and dignity in later years. We look forward to continuing to work with Independent Age to measure how these attitudes change over time.”
Hourglass, the only UK-wide charity focused on ending the abuse, harm, exploitation and neglect of older people, is calling for an urgent inquiry to understand the true nature and scale of the abuse of older people, following the release of a new report by the Women and Equalities Select Committee.
The report points to older people being omitted from equality frameworks and an increase in ageist attitudes, particularly from the younger generation, with the Committee calling for a review into age discrimination laws which they found were ‘rarely enforced’.
In addition, the report raised the lack of a representative figure for older people in Westminster. Committee chair Sarah Owen MP has called for the UK Government to follow a similar strategy to Wales and ‘should consider the merits of establishing a UK cross-government minister to take responsibility for championing the rights of older people.’
Hourglass, who submitted evidence to the report, welcomes many of these changes as progressive steps to ensuring better representation for older people. However, they are looking to ensure that the abuse of older people is recognised and is a central part of any strategy to tackle ageism in the UK.
Research from the charity suggests that every year, one in five people over the age of 60 experience some form of financial/economic, physical, psychological, sexual abuse or neglect. Over 2.6 million people are thought to be affected, with the majority of cases being committed by family members, within the victim-survivors own home.
Reported cases of abuse committed against older people have risen in recent years, with the number of calls to Hourglass’ helpline having risen by 182% from around 4,500 in 2017 to 12,700 in 2024.
Furthermore, polling by Hourglass and YouGov conducted in 2024 found a ‘significant lack of awareness’ of the nature and prevalence of the abuse of older people, with the poll finding that more than 26% of people did not believe forcing an older relative to change their Will was an act of abuse.
The charity is calling for an inquiry to develop a specific strategy to tackle this abuse, which they estimate costs the UK economy over £16 billion every year, with this set to rise to £25 billion a year by 2050.
Richard Robinson CEO of Hourglass said: “I welcome the publication of this report, which not only shines a light on ageism, but tasks the Government with doing more to make sure older people are represented in Westminster. However, no new strategy on ageism can work without considering the prevalence of the abuse of older people.
“We at Hourglass believe it’s now time for a full inquiry into the abuse of older people – a hidden epidemic affecting 2.6 million people in the UK every single year.
“By 2050, there will be almost 10 million more older people in the UK. If we are to create a truly Safer Ageing Society for the benefit of us all, we must act now to protect more vulnerable older people from harm”.
