Money Matters: a new Age Scotland project

Age Scotland has received funding from the Money Advice Service for a new project: until February 2018 we are offering older peoples’ groups a choice of Money Matters roadshows.

We have four new people in the team: Jessica Shields our Evaluation officer, Fiona Scott our Project assistant, Cheryl Fowler who will be delivering most of our roadshows and Sam Longden who will support helpline advisers and improve our information about money matters.

We can deliver roadshows on a choice of subjects:

Benefit entitlements – did you know that 1/3 of people who are entitled don’t claim Pension Credit? Could you be missing out? Do you know how many ways there are to get help with your council tax bill? Might you be entitled to Attendance Allowance?

Care costs and funding – what does care cost? If you qualify for free personal and nursing care what is actually free? Is it true that most people have to sell their house?

Power of Attorney – what types are there? How do you choose your attorney? What are your responsibilities if you are an attorney and where can you get advice?

Wills and funeral costs – why should you write a will? Do you know what a funeral costs? How much help is available from the government? How can you save money on costs?

Planning for and managing financial changes – does your group support people who face particular challenges with money because of caring responsibilities, health issues or bereavement? We can look at how best you can manage financial issues which affect you, and learn from you too.

After the roadshows, people can call the Age Scotland helpline, 0800 12 44 222 for a confidential conversation with an adviser.

The aim of the project is to find out “what works”. So we will be working with you to find out what you know before and after roadshows, seeing how many people make follow-up calls to our helpline and, if you agree, contacting you afterwards to find out if you did take steps to claim a benefit, take out a Power of Attorney or plan for funeral costs. We really need the feedback about what worked and what didn’t work, and we will adapt our roadshows and information in response to what we learn from you.

We are looking for some groups to help us to develop our training and information, and we will also be asking professionals who work with older people what money issues they are raising, what they know about money concerns for older people and what would support them to guide older people to find advice and help.

For more information or to book a roadshow call the Age Scotland switchboard on 0333 323 2400 or email the team

A New Future for Social Security – Age Scotland submission

Age Scotland has put forward an wide-ranging submission to the Scottish Government’s consultation on the future for social security in Scotland.

The charity endorses the basic principle that social security should be seen as an investment in the people of Scotland and in strengthening our social fabric.  We propose models which should exhibit trust in people and respect for their dignity.

We advocate an end to rules which are probably discriminatory based on age – such as the lack of a mobility component for attendance allowance, unlike other disability benefits – and we support the principle that universal winter fuel payments are the most effective means of reaching those most in need of support.

The submission is extensive, comprising some 56 pages, although the consultation paper was over 140 pages long and posed over 170 questions.  It is the most detailed policy submission which the charity or its predecessors have ever compiled.

The submission gives the charity’s perspective on a wide range of specific benefits affecting older people which are being devolved (including disability and carer’s benefits, funeral payments, and winter fuel payments).

It also deals with a series of administrative matters on how eligibility should be worked out, how benefits should be paid, and the overarching principles and intended outcomes which should be a focus for the new system.

Another important aspect is ensuring that the new devolved system works well with the other benefits which will remain reserved to the UK Parliament and Government, and administered by the DWP, JobCentres and the Pension Service.  Clearly it is important for there to be no disruption to payments on which vulnerable people depend, either as the responsibility is transferred or as changes the Scottish Government intends to make are implemented.

The response was informed by the views and experiences of older people themselves, which we gathered at eight distinct consultation events around the country, and also the expertise of our policy staff and helpline advisors, who regularly support older people with benefits concerns and queries.  We aim to use this invaluable information in our further discussions with Government Ministers and officials as the policies take shape and legislation is prepared to give effect to them.

Download our submission


Please feel free to share any views you have by emailing policycomms@agescotland.org.uk

Quality of Life on the Isle of Shapinsay

Toni Giugliano, Age Scotland’s Policy Engagement & Campaign Officer, recently headed to Orkney as part of his work around quality of life in later life in partnership with Stirling University. 


Earlier this month the Quality of Life Project took me to Shapinsay in Orkney. It was a unique opportunity to gather the views of older people about what makes a good life in later years in a rural and remote part of the country.

I was humbled by the extremely warm welcome I received by the organisers and participants. I was picked up from the ferry terminal in the community electric car and whisked along to the “Boathouse” – a fantastic community space where we were protected from the ultra-strong winds (which locals told me were not, in fact, that strong at all!).

In total, eight residents took part in the discussions, which explored several themes, including health and wellbeing, the importance of a close-knit community, relationships, care, transport, personal independence and the role of older people in society.

Below are some statements that came out of the discussions:

“Befriending services are a lifeline – even if you have a close family, often you feel like you don’t want to impose on them. You want to be independent, and a befriender won’t pass judgement.”

“Pass times are so important once you reach a certain age – they give you a focus, a purpose in life, a reason to be on this world.”

“As you become older, you enter a different category. You are likely to become slightly invisible.”

“Many people who once had a social status during their working life tend to lose it once they reach a certain age.”

“Older people still have a lot to contribute to society.”

“There should be incentives for volunteers to take on home care visits and spend some time chatting to people. The home visits you get only last 15 minutes – it’s just not enough. You want to get to know a person and have a chat with them. With the current system they just don’t have enough time to do that.”

“The cost of the ferry is too much; it’s not affordable. Other islands (local authorities) get a better deal”.

“We’ve had to fight hard on this island for the services we have. We need to stay on the ball and continue to do that if we want to keep them.”

It was particularly interesting to hear about the work of the Shapinsay Development Trust and the activities and services it runs to improve the lives of people on the island, including social activities to combat loneliness and isolation. The Sew Shapinsay project, for example, is a great social activity bringing many people together.

The Shapinsay focus group discussion, like all other focus groups that have taken place across the country, will soon be analysed by our researcher teams (who themselves are older people). The project seeks to: (i) explore what older people believe the essence of a good life is; and (ii) lobby decision makers to improve policies that support older people as they age.

Whilst in Orkney I took the opportunity to visit the Age Scotland office in Kirkwall to discuss the Scottish Government’s Social Security Consultation and how the proposed changes are likely to impact older people. We received a number of responses which helped shape our submission. For more information on this, see the relevant pages of our website.


The Quality of Life Project is funded by the Life Changes Trust. To find out more about the project, visit our website.

“Disability Benefits” – March’s Hot Tips

Our free calendar “Hot Tips” aims to ensure everyone in Scotland knows about the organisations and services available to them, and how to make the most of later life.

March’s theme is “Disability Benefits” and aims to give a brief overview of the main disability benefits available to older people in Scotland. In this blog, Heather Smith, Age Scotland’s Information and Advice Manager, explains why this time of year is a good time to check your benefit entitlement. 


For benefits advisers, Easter isn’t just the time to eat chocolate, it’s also time to look at changes to benefit rates and encourage people to check their entitlements, as benefit rates change a little in the new financial year. Many older people do not claim the benefits they are entitled to, perhaps because of pride, or the negative stereotypes of “benefit claimants” in some media or because they have not understood the intricacies of rules and regulations. Some media outlets also try to stir up disputes between generations by saying that older people are “well off” – some older people are, but others have had difficult lives where the idea of saving for the future had to take second place to day-to-day budgeting to pay everyday bills and expenses.

The main benefits for older people are State Retirement Pension, Pension Credit and Attendance Allowance.

State Pension

There is still some confusion about State Pension Age. This used to be 60 for a woman and 65 for a man, but the age for women is increasing fast and is now 62 ½, which can be a shock to a woman who in the context of a busy life has not kept an eye on welfare reform changes. The main change at 60 is now the “entitlement card” for concessionary travel, which in Scotland is not tied to the changes in State Pension Age.  There will be changes to State Pension in April 2016 when the rate will become “single tier” and number of qualifying years will change – this doesn’t affect anyone who is already getting their state pension.

Pension Credit

The age for anyone claiming Pension Credit is pinned to the increases in State Pension Age for a woman, so many people may be unsure about when they can claim. Our helpline Silver Line Scotland can track down the relevant date for you and help you to have a look at whether your income, capital and other circumstances mean that you are eligible to make a claim. Call them for free on 0800 4 70 80 90.

Attendance Allowance

Attendance Allowance is the benefit for people who are 65 or over who need help with care or supervision. Many older people who could be entitled do not make a claim because they want to feel independent or they are just getting by without help. Others who do claim may not explain their needs effectively. They may have made gradual adjustments to their expectations as their health has deteriorated and their need for care has increased.

Attendance Allowance is based on the care you need, not the care you actually have. It can be claimed regardless of your income and capital, and you can spend it how you choose to. For those aged under 65, there is a different benefit called Personal Independence Payment.

From the calls we have had to our helpline, Age Scotland knows that many people like to have the facts about benefits clear in their own minds before talking to an adviser or making a claim for benefit. If you think or someone close to you may be entitled to make a claim, get in touch and a Silver Line Scotland Adviser can talk you through your right, on 0800 4 70 80 90.

Download your 2015 Hot Tips Calendar here and get information and advice throughout the year. Here’s what you’ve thought about Hot Tips so far:

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