Over three-quarters of the public believe the state should look after them if things go wrong, according to research for Scottish Provident conducted by Mori.
Seventy-six per cent of the public think the welfare system should provide an adequate safety net for satis- factory standards of living.
ScotProv says the research shows the complacency of the public towards potential threats to their standards of living.
Fifty-five per cent admit that their standard of living would fall dramatically if they were unable to work for six months or more due to serious illness.
Four out of five agree that they have to make their own arrangements to ensure their standard of living is not threatened.
But only 41 per cent say they have taken steps to protect their standard of living.
Only one in five say they have a large amount of sav-ings to fall back on if things go wrong.
ScotProv head of marketing and business development David Robinson says: “People appear to recognise the need to do something to maintain their high standard of living if they suffer a serious illness but not enough have turned that into action.
“Too many people are kidding themselves that either it will not happen to them or that someone else will look after them.
“There is an enormous gap between the action that people have taken on protection and what is required to maintain their standard of living. A lot more needs to be done to warn people of the risks.”