La prise en compte du couple par le système de retraite : réversion et partage des droits
AbstractThis paper examines the features of two systems for allocating pension rights accrued as a spouse: the survivor?s pension and pension splitting. The survivor?s pension enables the surviving spouse to maintain his/her living standard after the other spouse?s death: under a non-means-tested system, the higher the survivor?s own pension with respect to that of the deceased spouse, the higher his/her standard of living (or the smaller its decline) after widowhood. This means that the income of widowers is generally higher than that of widows. A pension splitting system, on the other hand, guarantees the same income to both widows and widowers. In the event of divorce, pension splitting provides an own pension to each ex-spouse, independently of their subsequent life choices, and partially equalizes men?s and women?s incomes. But the system penalizes the spouse with the higher income. In the event of death or divorce, equal pension splitting is less costly for the pension system than a non-means-tested survivor?s pension. However, it is rarely an attractive option for the pension recipients, women included. Pension splitting at a higher rate (above 50%), whose overall cost to the pension scheme is equivalent to that of the survivor?s pension, would be an interesting alternative option.
Download InfoIf you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
As the access to this document is restricted, you may want to look for a different version under "Related research" (further below) or search for a different version of it.
Bibliographic InfoArticle provided by Institut National d'Études Démographiques (INED) in its journal Population.
Volume (Year): 67 (2012)
Issue (Month): 1 ()
Contact details of provider:
Web page: http://www.cairn.info/revue-population.htm
pension; survivor's pensions; pension splitting; widowhood; divorce; couple; living standard;
You can help add them by filling out this form.
reading list or among the top items on IDEAS.Access and download statisticsgeneral information about how to correct material in RePEc.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Jean-Baptiste de Vathaire).
If references are entirely missing, you can add them using this form.