in 1970, the life expectancy of a newborn girl in Germany, 73.4, of a newborn boy 67.2 years. Almost 50 years later, the corresponding forecasts in the case of women 84.1 years and for men from 79.1 years. So much So we can be pleased about the extra life time for the social security systems presents a Problem. Since 2012, the retirement age is gradually increased so that beginning in 2030, then the “pension with 67” for all. The exact number is debatable, but one thing is already clear: in Spite of this increase in financial problems to come after 2030 to the statutory pension insurance.
The financing of pensions is more difficult
Due to the decline in birth rate, the number of persons employed and the revenue of the pension Fund decreases, while pensioners from the birth of strong vintages, longer, a Trend will continue the likely. The financing of pensions is becoming increasingly difficult. With a view to the period after 2030 will be discussed, therefore, a further increase of the retirement age to 67 years. In contrast, there is fierce resistance.
That any move in this direction is strongly rejected, is, in my opinion, as the theme of “geframt”. Framing refers to in psychology, an elected framework for Interpretation that can influence our associations, memories, our understanding and ultimately our decisions. One and the same content can be formulated in quite different ways (geframt) and according to very different reactions.
A doctor can talk with a view to the risks of an Operation, a mortality rate of 5 % or a survival probability of 95 %. The facts of the case remains the same, but the words “die” and “the” can alter the survival of our views of the facts completely, and thus the decision for or against surgery significantly affect.
daily mirror tomorrow location
for Free order
Framing also takes place in the discussion of the pension. If the “pension with 67” or the increase in the retirement age of talk, suggests this Frame, that the period of retirement is shorter, we suffer a loss. In fact, the number of years increased, however, in which we can enjoy our retirement, continuously, and will continue to rise. The average duration of the pension period 1970 to 11.1 years, it has doubled in the year 2017, almost to 19.9 years.
The psychology Professor Ralph Hertwig is Director of the Max Planck Institute for educational research.Photo: Arne Sattler
“pension with 67” corresponds to de facto, not less, in retirement than in the past, but, on average, significantly more. A Frame that directs our gaze to an apparent loss and us better informed, would not only call the standard retirement age, but also the expected duration of the incapacity. So nudging), but informed would be made to try to, once again, concepts from the field of psychology, the nationals nudged ((boosting).
The life expectancy at Retirement in the focus
Also, after 2030 the life expectancy in Germany is expected to rise further. Thus, the question of how we want the years of life gained on employment and retirement distribute. Up to 2012, as the gradual fulfillment of the rule began in retirement age to 67 years, struck to the increase in life expectancy solely to the retirement. This was a radical decision. Just as rigorously, you would have the higher life expectancy complete for a longer working life. In view of the increasing problems in the financing of pensions, we should discuss the future with the rising life expectancy against the Background of these two extremes.
it is not the age limit in the focus, but the life expectancy at Retirement, then it seems to be obvious and, above all, fair to present and future generations, and the obtained life time to be transformed, either in full in a longer period of employment in a longer resting phase. Instead, a distribution is that the average pension spent a life time with the same Rate of increase as the length of the working life. This simple rule leads to a rise in the life expectancy to approximately two-thirds of a longer acquisition phase, and a third of a longer rest. Such a division makes it possible to Finance a growing, ageing of the total population, the pensions with portable posts.
From the Community
That life expectancy is increasing, this does not mean that the ability to work into old age, prolonged. This shows the rapid increase in the number of care cases, and dementia.
…writes user Pat7
but One thing is clear: If the age limit increases, to be Insured more than before this age is not healthy. So more people are dependent on a reduction in earning capacity pension. The barriers to entry, in turn, must not be too high when the new System is to find acceptance. Also in the case of a rise in life expectancy needs to be dealt with disease and disability in middle age. Without at this point going into Details, is called an aspect: Particularly long-employed, you could allow based on the French model, in principle, the entry in the old-age pension after 45 years of Employment. With such a scheme of reduction in earning capacity tests would be less necessary and would contribute to the impact of social status, different life expectancy.
More about
High life expectancy Spahn: the retirement age will also increase after 2030
The psychologist Ralph Hertwig is Director of the Max Planck Institute for educational research.
