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Erwarteter Bezug von Grundsicherung im Alter: Verhaltensunterschiede und Fehleinschätzungen

Author

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  • Bettina Lamla
  • Martin Gasche

Abstract

Means testing of social security helps with targeting benefits to those in need. However, it might also discourage individual savings and work effort. In Germany, social security in the old age, so called üGrundsicherung im Alterý, is means-tested. We find that 38% of German households believe that they are very likely to be dependent on üGrundsicherung im Alterý in the future. Those households differ in their socio-economic characteristics, savings and labour market behaviour from households who do not expect to be dependent on this particular programme. Our analysis suggests that half of the households expecting to receive üGrundsicherung im Alterý misjudge their eligibility as they have already accumulated enough public pension rights today to place them above the threshold of the means test. Differences between the two groups exist with respect to their knowledge about the pension system as well as the degree of pessimism that might favour wrong expectations.

Suggested Citation

  • Bettina Lamla & Martin Gasche, 2013. "Erwarteter Bezug von Grundsicherung im Alter: Verhaltensunterschiede und Fehleinschätzungen," Schmollers Jahrbuch : Journal of Applied Social Science Studies / Zeitschrift für Wirtschafts- und Sozialwissenschaften, Duncker & Humblot, Berlin, vol. 133(4), pages 539-562.
    • Handle: RePEc:aeq:aeqsjb:v133_y2013_i4_q4_p539-562
    DOI: 10.3790/schm.133.4.539
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    Citations

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    Cited by:

    1. Axel H. Börsch-Supan & Tabea Bucher-Koenen & Michael D. Hurd & Susann Rohwedder, 2018. "Saving Regret," NBER Working Papers 25238, National Bureau of Economic Research, Inc.
    2. Axel Börsch-Supan & Tabea Bucher-Koenen & Michela Coppola & Bettina Lamla, 2015. "Savings In Times Of Demographic Change: Lessons From The German Experience," Journal of Economic Surveys, Wiley Blackwell, vol. 29(4), pages 807-829, September.
    3. Börsch-Supan, Axel & Bucher-Koenen, Tabea & Goll, Nicolas & Maier, Christina, 2016. "15 Jahre Riester - eine Bilanz," Working Papers 12/2016, German Council of Economic Experts / Sachverständigenrat zur Begutachtung der gesamtwirtschaftlichen Entwicklung.
    4. Börsch-Supan, A. & Härtl, K. & Leite, D.N., 2016. "Social Security and Public Insurance," Handbook of the Economics of Population Aging, in: Piggott, John & Woodland, Alan (ed.), Handbook of the Economics of Population Aging, edition 1, volume 1, chapter 0, pages 781-863, Elsevier.
    5. Axel Börsch-Supan & Tabea Bucher-Koenen & Johannes Rausch, 2016. "Scenarios for the Sustainable Financing of the State Pension System," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 69(18), pages 31-40, September.
    6. Till van Treeck & Judith Niehues & Galina Kolev & Piotr Pysz & Peter Hampe & Andreas Peichl & Marc Stöckli & Georg Cremer, 2018. "How Fair Is the World? – Social Inequality and Economic Growth," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 71(15), pages 03-25, August.
    7. Börsch-Supan, Axel & Bucher-Koenen, Tabea & Ferrari, Irene & Kutlu Koc, Vesile & Rausch, Johannes, 1970. "The Development of the Pension Gap and German Households’ Saving Behavior," MEA discussion paper series 201602, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.

    More about this item

    JEL classification:

    • J14 - Labor and Demographic Economics - - Demographic Economics - - - Economics of the Elderly; Economics of the Handicapped; Non-Labor Market Discrimination
    • H5 - Public Economics - - National Government Expenditures and Related Policies

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