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Self-employment and social risk management: Comparing Germany and the United Kingdom


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  • Schulze Buschoff, Karin
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    In the past decades self-employment has gained importance in both countries Germany and the United Kingdom. In particular the proportion of solo-self-employment shows an increasing trend. This development has created new challenges for social risk management strategies. It raises the question of whether and to what extent the national social security systems for the self-employed are working and are capable of dealing with the new situation. To answer this question, the paper evaluates Germany´s and the United Kingdom´s legislation on the social protection of self-employment. Furthermore the collective representation of interests of the self-employed e.g. through trade unions is described. Finally, private provisions for retirement are outlined as an example for individual risk management strategies of the self-employed. -- Sowohl in Deutschland als auch im Vereinigten Königreich hat die selbstständige Erwerbsarbeit in den letzten Dekaden an Bedeutung gewonnen. Vor allem der Anteil an Solo-Selbstständigkeit ist stetig gestiegen. Diese Entwicklung ist mit neuen Herausforderungen an ein soziales Risikomanagement für die zuständigen Akteure und Institutionen verbunden. Es stellt sich die Frage, ob und in welcher Form die staatlichen Sicherungssysteme, kollektive Interessenvertretungen und die Individuen selbst auf diese Herausforderungen eingestellt sind. Um diese Frage zu beantworten, werden als Beispiele für kollektives Risikomanagement die Einbeziehung der Selbstständigen in die jeweiligen nationalen sozialen Sicherungssysteme mit Schwerpunkt der Absicherung des Risikos Alter sowie die Interessenvertretung durch Organisationen und Verbände beschrieben. Als ein Beispiel für individuelles soziales Risikomanagement wird am Ende die private Vorsorge der Selbstständigen fürs Alter im Ländervergleich skizziert.

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    Paper provided by Social Science Research Center Berlin (WZB) in its series Discussion Papers, Research Unit: Labor Market Policy and Employment with number SP I 2007-103.

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    Date of creation: 2007
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    Handle: RePEc:zbw:wzblpe:spi2007103

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    1. Schmid, Günther, 2006. "Sharing risk: on social risk management and the governance of labour market transitions," Discussion Papers, Research Unit: Labor Market Policy and Employment SP I 2006-101, Social Science Research Center Berlin (WZB).
    2. Gottschall, Karin & Kroos, Daniela, 2003. "Self-employment in Germany and the UK: Labor market regulation, risk-management and gender in comparative perspective," Working papers of the ZeS 13/2003, University of Bremen, Centre for Social Policy Research (ZeS).
    3. Fachinger, Uwe, 2003. "Selbständige in der EU: Einige Anmerkungen zu den Problemen ihrer sozialen Absicherung," MPRA Paper 1129, University Library of Munich, Germany.
    4. Robert Holzmann & Steen Jorgensen, 2000. "Social risk management : a new conceptual framework for social protection and beyond," Social Protection Discussion Papers 21314, The World Bank.
    5. Fachinger, Uwe & Oelschläger, Angelika, 2000. "Selbständige und ihre Altersvorsorge: Sozialpolitischer Handlungsbedarf?," MPRA Paper 1127, University Library of Munich, Germany.
    6. Boden, Rebecca, 2005. "The UK social security system for self-employed people," Discussion Papers, Research Unit: Labor Market Policy and Employment SP I 2005-104, Social Science Research Center Berlin (WZB).
    7. Dräther, Hendrik & Fachinger, Uwe & Oelschläger, Angelika, 2001. "Selbständige und ihre Altersvorsorge: Möglichkeiten der Analyse anhand der Mikrozensen und erste Ergebnisse," MPRA Paper 1130, University Library of Munich, Germany.
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