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Bridging-Renten als Überbrückung für Einkommensausfälle vor dem Pensionsantritt

Author

Listed:
  • Thomas Horvath
  • Thomas Url

    (WIFO)

Abstract

Pensionsversicherte können mit einer Bridging-Rente den vorzeitigen Ausstieg aus dem Erwerbsleben vorfinanzieren und während der Wartezeit auf die Pension freiwillig Sozialversicherungsbeiträge einzahlen. Die Bridging-Rente steht dabei in einem engen Zusammenhang mit ähnlichen Transferleistungen des Sozialstaates (Altersteilzeit, Arbeitslosengeld bzw. Notstandshilfe) und verliert dadurch an Attraktivität. Für den öffentlichen Haushalt bewirken Bridging-Renten eine privat aufgebaute finanzielle Entlastung, solange sie mit einem Verzicht auf öffentliche Transfers verbunden sind. Die potentielle Höhe einer Bridging-Rente hängt vom erwarteten Konsumbedürfnis nach dem Austritt aus dem Erwerbsleben und vom letzten Nettoeinkommen ab. Die Konsumausgaben von Pensionistenhaushalten liegen um 5% bis 15% unter jenen der Erwerbstätigen. Die durchschnittliche kumulierte Einkommenslücke betrug in den Jahren 2007 bis 2010, je nach Annahme über den Bezug öffentlicher Transfers, 9.900 € bis 35.200 €. Durch die schiefe Einkommensverteilung können diese Beträge individuell auch wesentlich höher sein.

Suggested Citation

  • Thomas Horvath & Thomas Url, 2013. "Bridging-Renten als Überbrückung für Einkommensausfälle vor dem Pensionsantritt," WIFO Studies, WIFO, number 46684, June.
  • Handle: RePEc:wfo:wstudy:46684
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    References listed on IDEAS

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    1. Christine Mayrhuber & Hedwig Lutz & Ingrid Mairhuber, 2021. "Erwerbsaustritt, Pensionsantritt und Anhebung des Frauenpensionsantrittsalters ab 2024. Potentielle Auswirkungen auf Frauen, Branchen und Betriebe," WIFO Studies, WIFO, number 67348, June.

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