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Teaching staff at Scotland's colleges, unis and schools could strike in the near future.
The Educational Institute of Scotland, which represents 80% of teachers and lecturers, has opened a ballot and members will have three weeks to cast their vote.
The union has been in talks with the Scottish Government to try and agree a new pension agreement but EIS general secretary Larry Flanaghan said "little progress has been made".
He said: ``I would urge all eligible EIS members to use their vote in this important ballot and to vote yes for industrial action to send a strong message to the Scottish Government.
"Changes to pension arrangements will mean teachers could be made to work beyond 65.
``Too many teachers already retire into ill-health for us to contemplate such an extension to what is an extremely stressful job.''
A Scottish Government spokesman said: ``Pensions policy is reserved to Westminster and we continue to engage with the UK Government to persuade them to accept our negotiation group's proposals."