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Denn sie wussten, was sie taten: zur Reform der Sozialen Pflegeversicherung


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  • Jasmin Häcker
  • Bernd Raffelhüschen
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    Although the necessity for reforming the German Long-Term Care Insurance (LTCI) was perceived by the "Kommission für die Nachhaltigkeit in der Finanzierung der Sozialen Sicherungssysteme" (Rürup-Kommission), it was embanked with the help of an unrealistic optimistic set of crucial parameters. Using the method of generational accounting, it can be shown that the pre-existing sustainability gap in the LTCI is more than halfway erased solely by these assumptions. Moreover, it is pointed out that the actual policy recommendation of the "Kommission" is hardly capable to improve the fiscal stance of the LTCI. By means of an alternative funding strategy to what was earlier a pure pay-asyou- go scheme, it can be shown how the policy makers could generate a truly sustainable situation. Die Notwendigkeit eines Reformbedarfs in der Sozialen Pflegeversicherung wurde von der "Kommission für die Nachhaltigkeit in der Finanzierung der Sozialen Sicherungssysteme" (Rürup-Kommission) zwar erkannt, jedoch durch Setzung unrealistisch optimistischer Rahmenbedingungen stark eingeschränkt. Mithilfe der Generationenbilanzierung kann gezeigt werden, dass allein durch diese Rahmensetzung das Nachhaltigkeitsproblem "Pflegeversicherung" bereits mehr als zur Hälfte quasi wegdefiniert wird. Zudem ist die eigentlich vorgeschlagene Politikmaßnahme der Kommission, das so genannte Modell des intergenerativen Lastenausgleichs, kaum in der Lage, eine Verbesserung in der langfristigen Finanzierbarkeit herbeizuführen. Anhand eines alternativen Ausphasungsmodells wird gezeigt, wie eine nachhaltige Situation durch eine private Pflegevorsorge erzeugt werden kann.

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    Article provided by DIW Berlin, German Institute for Economic Research in its journal Vierteljahrshefte zur Wirtschaftsforschung.

    Volume (Year): 73 (2004)
    Issue (Month): 1 ()
    Pages: 158-174

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    Handle: RePEc:diw:diwvjh:73-10-11

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    1. Auerbach, Alan J & Gokhale, Jagadeesh & Kotlikoff, Laurence J, 1992. " Generational Accounting: A New Approach to Understanding the Effects of Fiscal Policy on Saving," Scandinavian Journal of Economics, Wiley Blackwell, Wiley Blackwell, vol. 94(2), pages 303-18.
    2. Alan J. Auerbach & Jagadeesh Gokhale & Laurence J. Kotlikoff, 1991. "Generational Accounts - A Meaningful Alternative to Deficit Accounting," NBER Working Papers 3589, National Bureau of Economic Research, Inc.
    3. Alan J. Auerbach & Jagadeesh Gokhale & Laurence J. Kotlikoff, 1994. "Generational Accounting: A Meaningful Way to Evaluate Fiscal Policy," Journal of Economic Perspectives, American Economic Association, American Economic Association, vol. 8(1), pages 73-94, Winter.
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    Cited by:
    1. Arntz, Melanie & Thomsen, Stephan L., 2008. "Crowding out Informal Care? Evidence from a Social Experiment in Germany," ZEW Discussion Papers 08-113, ZEW - Zentrum für Europäische Wirtschaftsforschung / Center for European Economic Research.
    2. Arntz, Melanie & Sacchetto, Ralf & Spermann, Alexander & Steffes, Susanne & Widmaier, Sarah, 2007. "The German Social Long-Term Care Insurance: Structure and Reform Options," IZA Discussion Papers 2625, Institute for the Study of Labor (IZA).
    3. Arntz, Melanie & Thomsen, Stephan L., 2008. "Reforming Home Care Provision in Germany: Evidence from a Social Experiment," ZEW Discussion Papers 08-114, ZEW - Zentrum für Europäische Wirtschaftsforschung / Center for European Economic Research.
    4. Heinicke, Katrin & Thomsen, Stephan L., 2010. "The social long-term care insurance in Germany: origin, situation, threats, and perspectives," ZEW Discussion Papers 10-012, ZEW - Zentrum für Europäische Wirtschaftsforschung / Center for European Economic Research.


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