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Soziale Sicherung im Lebenslauf: finanzielle Aspekte in längerfristiger Perspektive am Beispiel der Alterssicherung in Deutschland

  • Schmähl, Winfried
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    Zunehmende Risiken im Lebenslauf und die Forderung nach vermehrter individueller Flexibilität stellen eine Herausforderung für die adäquate Gestaltung sozialer Sicherung dar, z. B. für die Alterssicherung. In diesem Beitrag wird dargestellt, wie soziale Risiken in öffentlichen und (subventionierten) privaten Alterssicherungssystemen (einschließlich betrieblicher Einrichtungen) berücksichtigt werden. Dies erfolgt am Beispiel der Situation in Deutschland. Ein solcher Vergleich unterschiedlicher Sicherungssysteme wird um so wichtiger, da in vielen Ländern die Rolle des Staates als Produzent sozialer Leistungen reduziert wird. Ausgehend von Zielen und Konzeptionen zur Gestaltung sozialer Sicherung im Alter stehen im Zentrum dieses Beitrags Auswirkungen verschiedener Typen öffentlicher und privater Alterssicherungssysteme auf die Einkommenslage im Alter bei Eintritt bestimmter sozialer Risiken, wie Einkommensverlust durch Arbeitslosigkeit, Krankheit, Pflege von Kindern. Dabei wird der Einsatz unterschiedlicher Instrumente - unter ihnen der von Zeitkonten - betrachtet. Schließlich wird die Verlagerung von Risiken und Verantwortung im Falle zumindest partieller Privatisierung sozialer Sicherung diskutiert - Verlagerungen vom Staat auf private Haushalte, von Arbeitgebern auf Arbeitnehmer. Für den Fall, dass private Sicherungssysteme obligatorisch werden, ist zu erwarten, dass sie mit zu einem Instrument der staatlichen Sozialpolitik werden und manche der sozialen Risiken zu berücksichtigen haben, wie dies bislang in staatlichen Systemen erfolgte.

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    Paper provided by University of Bremen, Centre for Social Policy Research (ZeS) in its series Working papers of the ZeS with number 09/2007.

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    Date of creation: 2007
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    Handle: RePEc:zbw:zeswps:092007
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    1. Indermit S. Gill & Truman Packard & Juan Yermo, 2005. "Keeping the Promise of Social Security in Latin America," World Bank Publications, The World Bank, number 7391.
    2. Indermit S. Gill & Truman G. Packard & Juan Yermo, 2005. "Keeping the Promise of Social Security in Latin America," IDB Publications (Books), Inter-American Development Bank, number 59998.
    3. repec:idb:brikps:59998 is not listed on IDEAS
    4. Whitehouse, Edward & Queisser, Monika, 2007. "Pensions at a glance: public policies across OECD countries," MPRA Paper 16349, University Library of Munich, Germany.
    5. Martin Feldstein, 2005. "Structural Reform of Social Security," Journal of Economic Perspectives, American Economic Association, vol. 19(2), pages 33-55, Spring.
    6. Luca Benzoni & Pierre Collin-Dufresne & Robert S. Goldstein, 2005. "Portfolio Choice over the Life-Cycle in the Presence of 'Trickle Down' Labor Income," NBER Working Papers 11247, National Bureau of Economic Research, Inc.
    7. Stiglitz Joseph, 2005. "Securing Social Security for the Future," The Economists' Voice, De Gruyter, vol. 2(1), pages 1-7, February.
    8. Holzmann, Robert & Jorgensen, Steen, 1999. "Social protection as social risk management : conceptual underpinnings for the social protection sector strategy paper," Social Protection Discussion Papers 20119, The World Bank.
    9. Feldstein, Martin, 2005. "Structural Reform of Social Security," Scholarly Articles 2794830, Harvard University Department of Economics.
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