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Selbständige und ihre Altersvorsorge: Sozialpolitischer Handlungsbedarf?

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  • Fachinger, Uwe
  • Oelschläger, Angelika

Abstract

Ein Charakteristikum des strukturellen Wandels in der Bundesrepublik ist, daß vermehrt Formen der selbständigen Erwerbstätigkeit entstehen. Im Gegensatz zu abhängig Beschäftigten sind Selbständige sozialrechtlich nur geschützt, wenn dies vom Gesetzgeber ausdrücklich bestimmt ist. Aus der Zunahme sozialrechtlich nicht geschützter Beschäftigungsverhältnisse können sich daher Probleme im sozialen Sicherungssystem ergeben. Für den Bereich der Altersvorsorge - der im Mittelpunkt dieses Beitrages steht - zeigt die Untersuchung, daß die Datenlage für eine umfassende Lageanalyse derzeit unzureichend ist. Dennoch wird deutlich, daß die überwiegende Zahl der Selbständigen nicht von einem obligatorischen Alterssicherungssystem erfaßt ist und die bestehenden obligatorischen Sicherungssysteme von heterogener Struktur sind. -- One of the characteristics of the structural development in the Federal Republic of Germany is the increase of self-employment. In contrary to the regulations for dependent employees, a large part of self-employed persons are not included in the social security system. Social security insurances for self-employed only exist as exceptions. Therefore, the increase of selfemployment without social security may cause problems within the social security system. Our analysis shows that at present the data base is insufficient for statements about old-age security of self-employed. Nevertheless, it becomes clear that most of the self-employed are not included within the obligatory system of old-age security and that the existing structures are heterogeneous.

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Bibliographic Info

Paper provided by University of Bremen, Centre for Social Policy Research (ZeS) in its series Working papers of the ZeS with number 03/2000.

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Date of creation: 2000
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Handle: RePEc:zbw:zeswps:032000

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  1. Klaus-Dietrich Bedau, 1999. "Zur Einkommenslage in den freien Berufen," DIW Wochenbericht, DIW Berlin, German Institute for Economic Research, vol. 66(2), pages 51-60.
  2. Wolfgang Ruppert, 1997. "Ungünstige Bedingungen für die betriebliche Altersversorgung," Ifo Schnelldienst, Ifo Institute for Economic Research at the University of Munich, vol. 50(28), pages 10-19, October.
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  1. repec:iab:iabzaf:v:38:i:4:p:531-553 is not listed on IDEAS
  2. Schulze Buschoff, Karin, 2007. "Self-employment and social risk management: Comparing Germany and the United Kingdom," Discussion Papers, Research Unit: Labor Market Policy and Employment SP I 2007-103, Social Science Research Center Berlin (WZB).
  3. Schulze Buschoff, Karin & Schmidt, Claudia, 2005. "Mobilität der Solo-Selbständigen im europäischen Vergleich (The employment status mobility of the solo-self-employed and their social protection in a European comparison)," Zeitschrift für ArbeitsmarktForschung - Journal for Labour Market Research, Institut für Arbeitsmarkt- und Berufsforschung (IAB), Nürnberg [Institute for Employment Research, Nuremberg, Germany], vol. 38(4), pages 531-553.
  4. Schulze Buschoff, Karin & Schmidt, Claudia, 2006. "Own-account workers in Europe: Flexible, mobile, and often inadequately insured," Discussion Papers, Research Unit: Labor Market Policy and Employment SP I 2006-122, Social Science Research Center Berlin (WZB).
  5. Schulze Buschoff, Karin, 2006. "Die soziale Sicherung von selbstständig Erwerbstätigen in Deutschland," Discussion Papers, Research Unit: Labor Market Policy and Employment SP I 2006-107, Social Science Research Center Berlin (WZB).

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