Advanced Search
MyIDEAS: Login to save this paper or follow this series

Renteneintrittsalter und Lebensdauer: Was kostet die Frühverrentung?

Contents:

Author Info

  • Kühntopf, Stephan
  • Tivig, Thusnelda

Abstract

In dieser Arbeit wird gezeigt, dass sich für die Versicherten in der gesetzlichen Rentenversicherung (GRV) ein statistischer Zusammenhang zwischen dem Alter bei Renteneintritt und der verbleibenden Lebensdauer nachweisen lässt. So steigt die fernere Lebenserwartung im Alter von 65 Jahren für Männer mit dem Renteneintrittsalter um bis zu 2,3 Jahre an. Die Lebenserwartung für Frauen ist hingegen mit einer maximalen Differenz von 0,4 Jahren nahezu unabhängig vom Renteneintrittsalter. Frühverrentung scheint sich demnach für Männer, gemessen an ihrer Lebenserwartung, nicht zu lohnen, die berechneten Rentenabschläge sind auch zu hoch. Dieser Aspekt differentieller Sterblichkeit, der nicht mit dem Kohorteneffekt einer steigenden Lebenserwartung zu verwechseln ist, kann auch für betriebliche und private Rentenkassen von Bedeutung sein. Eine einfache Modellrechnung für die GRV ergibt, dass sich die Frühverrentung für sie lohnen kann: ein früher Renteneintritt von Männern und Frauen entlastet die GRV, am kostenträchtigsten ist ein Renteneintritt im mittleren Alter von 63-64 Jahren. Am Beispiel des Rentenzugangs 2003 wird aber anschliessend gezeigt, dass die bisher übliche Annahme einer vom Renteneintrittsalter unabhängigen Lebensdauer insgesamt zu einer Deckungslücke in der Rentenversicherung führen kann. --

Download Info

If 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.
File URL: http://econstor.eu/bitstream/10419/39736/1/610341405.pdf
Download Restriction: no

Bibliographic Info

Paper provided by University of Rostock, Institute of Economics in its series Thuenen-Series of Applied Economic Theory with number 67.

as in new window
Length:
Date of creation: 2007
Date of revision:
Handle: RePEc:zbw:roswps:67

Contact details of provider:
Postal: Ulmenstr. 69, 18057 Rostock
Phone: (0381)498-4310
Fax: (0381)498-4310
Web page: http://www.wiwi.uni-rostock.de/vwl/
More information through EDIRC

Related research

Keywords: Lebenserwartung; Frühverrentung; Renteneintrittsalter; Rentenversicherung;

Find related papers by JEL classification:

References

References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
as in new window
  1. Borsch-Supan, Axel & Schnabel, Reinhold, 1998. "Social Security and Declining Labor-Force Participation in Germany," American Economic Review, American Economic Association, vol. 88(2), pages 173-78, May.
  2. Axel Börsch-Supan, 2002. "Nach der Reform ist vor der Reform:Weitere Schritte für eine nachhaltige Reform der Altersvorsorge in Deutschland," MEA discussion paper series 02015, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
  3. Axel Börsch-Supan & Reinhold Schnabel & Simone Kohnz & Giovanni Mastrobuoni, 2004. "Micro-Modeling of Retirement Decisions in Germany," NBER Chapters, in: Social Security Programs and Retirement around the World: Micro-Estimation, pages 285-344 National Bureau of Economic Research, Inc.
  4. Gary S. Fields & Olivia S. Mitchell, 1984. "Economic Determinants of the Optimal Retirement Age: An Empirical Investigation," Journal of Human Resources, University of Wisconsin Press, vol. 19(2), pages 245-262.
  5. Axel Boersch-Supan & Christina B. Wilke, 2004. "The German Public Pension System: How it Was, How it Will Be," NBER Working Papers 10525, National Bureau of Economic Research, Inc.
  6. Stefan Hupfeld, 2006. "Longevity and Redistribution in the German Pension System," Working Papers of the Research Group Heterogenous Labor 06-10, Research Group Heterogeneous Labor, University of Konstanz/ZEW Mannheim.
  7. Arnds, Pascal & Bonin, Holger, 2002. "Frühverrentung in Deutschland: Ökonomische Anreize und institutionelle Strukturen," IZA Discussion Papers 666, Institute for the Study of Labor (IZA).
  8. Arden Hall & Terry R. Johnson, 1980. "The determinants of planned retirement age," Industrial and Labor Relations Review, ILR Review, Cornell University, ILR School, vol. 33(2), pages 241-254, January.
Full references (including those not matched with items on IDEAS)

Citations

Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
as in new window

Cited by:
  1. Hubrich, Stefan & Tivig, Thusnelda & Stubben, Hans-Dieter, 2007. "Pensionsverpflichtungen: Ein unternehmerischer Risikofaktor?," Thuenen-Series of Applied Economic Theory 80, University of Rostock, Institute of Economics.
  2. Kühntopf, Stephan & Tivig, Thusnelda, 2008. "Early retirement in Germany: Loss of income and lifetime?," Thuenen-Series of Applied Economic Theory 85, University of Rostock, Institute of Economics.

Lists

This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.

Statistics

Access and download statistics

Corrections

When requesting a correction, please mention this item's handle: RePEc:zbw:roswps:67. See general 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: (ZBW - German National Library of Economics).

If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

If references are entirely missing, you can add them using this form.

If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

Please note that corrections may take a couple of weeks to filter through the various RePEc services.