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Old-Age Security and Silver Workers: An Empirical Survey Identifies Challenges for Companies, Insurers and Society

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  • Jürgen Deller

    ([1] aSMARD – Institute for Strategic HR Management Research and Development, Leuphana University of Lüneburg, Wilschenbrucher Weg 84a, Lüneburg 21335, Germany. E-mails: deller@leuphana.de, maxin@leuphana.de [2] bLucas Graduate School of Business, San José State University, San José, CA, USA)

  • Patrick M Liedtke

    (The Geneva Association, 53 Route de Malagnou, Geneva CH-1208, Switzerland.)

  • Leena M Maxin

    (SMARD – Institute for Strategic HR Management Research and Development, Leuphana University of Lüneburg, Wilschenbrucher Weg 84a, Lüneburg 21335, Germany. E-mails: deller@leuphana.de, maxin@leuphana.de)

Abstract

As a result of demographic development, pension reforms have been passed to make them more sustainable for the future. More recently, understanding of the importance of the employment of older workers has been increasing but there is still the need for a policy shift. Moreover, the future shortage of qualified staff will noticeably affect the growth of many developed economies in the next decades. This explorative paper focuses on the present empirical situation and expectations of the workforce capacity of older persons in good mental and physical health: paid and unpaid active retirees in Germany (Silver Workers). The lifestyles of Silver Workers as well as reasons for engagement in post-retirement activities and necessary framework conditions of work during retirement are described. The qualitative and quantitative survey allows us to derive practical recommendations for leadership, human resource management and policies, as well as for the insurance industry. The authors estimate that integrating Silver Workers can contribute to macroeconomic growth potential, relieve old-age pension systems (“Fourth Pillar”) and provide new business opportunities. The Geneva Papers (2009) 34, 137–157. doi:10.1057/gpp.2008.44

Suggested Citation

  • Jürgen Deller & Patrick M Liedtke & Leena M Maxin, 2009. "Old-Age Security and Silver Workers: An Empirical Survey Identifies Challenges for Companies, Insurers and Society," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 34(1), pages 137-157, January.
    • Handle: RePEc:pal:gpprii:v:34:y:2009:i:1:p:137-157
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    Cited by:

    1. Scherger, Simone & Hagemann, Steffen & Hokema, Anna & Lux, Thomas, 2012. "Between privilege and burden: Work past retirement age in Germany and the UK," Working papers of the ZeS 04/2012, University of Bremen, Centre for Social Policy Research (ZeS).
    2. Lee, Zeewan, 2022. "Returning to work: The role of soft skills and automatability on unretirement decisions," The Journal of the Economics of Ageing, Elsevier, vol. 22(C).

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