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

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  • Schmähl, Winfried

Abstract

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.

Suggested Citation

  • Schmähl, Winfried, 2007. "Soziale Sicherung im Lebenslauf: finanzielle Aspekte in längerfristiger Perspektive am Beispiel der Alterssicherung in Deutschland," Working papers of the ZeS 09/2007, University of Bremen, Centre for Social Policy Research (ZeS).
    • Handle: RePEc:zbw:zeswps:092007
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    References listed on IDEAS

    as
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