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Over 450,000 scots between the age of 40 and 65 are not on track to work the 30 years required for the full state pension.
That's as many as 6.1 million people across the UK, according to annuity group Partnership.
The 30 working years necessary to qualify for a state pension is being is raised to 35 years from April 2016 and 28 per cent of employees will not have been in work long enough.
Darren Adam asks: Are you worried about your state pension? Call 0500 92 95 00 or text 80295.