Social security systems in the light of demographic, economic and technological challenges

Marek Szczepański

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ISBN/ISSN:

978-83-7775-391-0

DOI:

Wydawnictwo:

Wydawnictwo Politechniki Poznańskiej

Rok wydania:

2015

Liczba stron:

143

XML:ISBN/ISSN:

ONIX MARC21

Bibliografia:

. Social security systems in the light of demographic, economic and technological challenges. Red. Szczepański, Marek . : Wydawnictwo Politechniki Poznańskiej, 2015, 143 s. ISBN 978-83-7775-391-0

Bibliografia refWorks:

RT Book, Whole

SR Electronic(1)

A2 Szczepański, M.

T1 Social security systems in the light of demographic, economic and technological challenges

PB Wydawnictwo Politechniki Poznańskiej

YR 2015

SN 978-83-7775-391-0

Bibliografia BibTex:

@Book{ 233682, author = "", editor = "Szczepański, Marek", title = "Social security systems in the light of demographic, economic and technological challenges", publisher = "Wydawnictwo Politechniki Poznańskiej", year = "2015", address = "", isbn = "978-83-7775-391-0" }

Bibliografia endNote:

TY - BOOK

AU -

ED - Szczepański, Marek

TI - Social security systems in the light of demographic, economic and technological challenges

PB - Wydawnictwo Politechniki Poznańskiej

CY -

PY - 2015

SN - 978-83-7775-391-0

ER -

Netografia (standard APA):

. Red. Szczepański, Marek. Social security systems in the light of demographic, economic and technological challenges [baza danych online] : Wydawnictwo Politechniki Poznańskiej, 2015 [dostęp: 22 07 2024]. Dostęp w Ibuk Libra: https://libra.ibuk.pl/reader/social-security-systems-in-the-light-of-demographic-economic-and-marek-szczepanski-233682.

praca, demografia, starzenie społeczeństwa

Monografia została przygotowana przez autorów (krajowych i zagranicznych) specjalizujących się w badaniach systemów zabezpieczenia społecznego, polityki publicznej, a także przeobrażeń na rynku pracy związanych z procesami demograficznego starzeni...

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ISBN/ISSN:

978-83-7775-391-0

DOI:

Wydawnictwo:

Wydawnictwo Politechniki Poznańskiej

Rok wydania:

2015

Liczba stron:

143

XML:ISBN/ISSN:

ONIX MARC21

CONTENTS Introduction6
1. Gerard HUGHES, John A. TURNER Demographic challenge and longevity insurance benefits for public pension reform8
2. Kamila BIELAWSKA Pension reforms and long-term sustainability of public finances of the central eastern European countries22
3. Olgierd LISSOWSKI Challenges for the European social model34
4. Andrzej SOŁDEK Asset allocation in the Polish pension system46
5. Jeko MILEV Pay-as-you-go vs. fully funded pension system. Alternative or complementary components in the pension system? The case of Bulgaria64
6. Jaroslav VOSTATEK Child pension and free-rider taxation74
7. Marek SZCZEPAŃSKI Barriers and drivers of development of occupational pension schemes in Poland84
8. Marcin WOJEWÓDKA The impact of trade unions on occupational pension schemes in Poland100
9. Magdalena GADOMSKA Management through the empowerment in the context changing the Polish labour market110
10. Agnieszka MORAWIAK New challenges. Knowledge and age management in a modern enterprise118
11. Wioleta DĘBCZYŃSKA, Tadeusz ZABOROWSKI Social responsibility of insurance companies130

GerardHughes,JohnA.Turner

earlyeightieswithinflationratesaslowas3percent.Peoplewithlowpublicpen-

sionbenefitswhoareintheir80sandolderareeconomicallyvulnerable.Atthat

age,fewareabletooffsettheirlowbenefitsbyworking.Theymayhaveusedup

theirretirementassetsotherthantheirpublicpensionbenefit,andtheymayhave

increasedexpensesduetoincreasedneedformedicalcare.Inthefuture,withthe

declineofdefinedbenefitplansinmanycountries,itcanbeexpectedthatanin-

creasingpercentageofthepopulationwillnothaveanannuitizedbenefitotherthan

publicpension,andthuswillbemorelikelytohavespentdowntheirothersources

ofretirementincome.Asamatterofnationalpolicy,itisdesirablethatpeople

inthisagegroupareabletolivewithsufficientresourcestoenjoythelastyearsof

theirliveswithdignity.Publicpensionprovidesaguaranteedlifetimebenefit,but

insomecountries,suchastheUnitedStatesandIreland,itisinsufficientformost

peopletomaintaintheirpre-retirementstandardofliving.

Preventingpeoplefromfallingintopovertyastheyageisakeygoalofpublic

pensions.Longevityinsuranceisonewaytoaddresstheincomeneedsofolder

peoplewhohavelivedlongerthantheyexpected,andhaveuseduptheirretirement

savingsotherthantheirpublicpensionbenefit.Whileallannuitiesprovideretirees

adegreeoflongevityinsurance,inrecentyearsthetermlongevityinsurancehas

beenusedtorefertoaparticulartypeofdeferredannuity.Longevityinsuranceis

adeferredannuitythatstartsatanadvancedage,suchasage82.Longevityinsur-

anceannuities,anideaadvancedbyMilevsky[2005],provideinsuranceagainst

outlivingonesassets,butonlywhenthatriskbecomessubstantialatadvanced

ages.

Thisarticleproposesthatlongevityinsuranceshouldbeaddedasaformofben-

efitprovidedbypublicpensions.Thistypeofbenefitwouldbeparticularlyvalua-

bleasapartofareformpackagethatincludedbenefitcuts.Asocialsafetynet

benefitwouldbeneededtooffsettheeffectsofpublicpensionbenefitcutsonolder

retirees.

Thispaperfirstdiscussestheincreaseinpovertyatolderages.Second,itde-

scribeslongevityinsurancebenefits.Third,itdocumentstheroleoflongevityin-

suranceintheearlyhistoryofPublicpension.Fourth,itdescribesproblemswith

theprovisionoflongevityinsurancebytheprivatesector.Fifth,itcomparesthe

provisionoflongevityinsuranceintheprivatesectortoitsprovisioninthepublic

sector,indicatingadvantagesofprovidinglongevityinsurancebenefitsthrough

publicpensionsratherthanthroughtheprivatesector.Sixth,thepaperdiscusses

government-providedlongevityinsurancebenefitsinIreland.Seventh,itoffers

concludingcomments.

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Social security systems in the light of demographic, economic and technological challenges

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