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Lebenserwartung über 90 Jahre heute, Rente ab 70 morgen? Eine visionäre vorausschauende Kurzanalyse

Author

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  • Eckart Bomsdorf

Abstract

Die Lebenserwartung steigt in Deutschland von Jahr zu Jahr. Dies gilt gleichermaßen für die Lebenserwartung im Renteneintrittsalter, und damit nimmt auch die Rentenbezugszeit zu, ohne dass der Rentenversicherung auf der Einnahmenseite zusätzliche Zahlungen zugutekommen. In der kapitalgedeckten privaten Rentenversicherung wird dieser Effekt durch niedrigere Rentenzahlungen oder höhere Beiträge kompensiert, in der umlagefinanzierten gesetzlichen Rentenversicherung bleibt dieses Phänomen bisher weitgehend unberücksichtigt. Eine steigende Lebenserwartung kann sich, nach Ansicht von Eckhart Bomsdorf, Universität zu Köln, jedoch nicht allein in einer immer weiter zunehmenden Rentenbezugszeit bemerkbar machen, sie sollte auch Auswirkungen auf die Lebensarbeitszeit haben. Die auch als gesetzliches Renteneintrittsalter bezeichnete Regelaltersgrenze in der gesetzlichen Rentenversicherung sollte daher langfristig angepasst werden. Sie könnte dauerhaft an die Entwicklung der Lebenserwartung gekoppelt werden; eine Erhöhung der Regelaltersgrenze auf 69 oder 70 Jahre wäre langfristig gesehen dann die Folge. Vorausgehen müssten bereits kurz- bis mittelfristig eine gegenüber heute stärkere Flexibilisierung des faktischen Renteneintrittsalters und eine Anpassung der Hinzuverdienstgrenzen.

Suggested Citation

  • Eckart Bomsdorf, 2015. "Lebenserwartung über 90 Jahre heute, Rente ab 70 morgen? Eine visionäre vorausschauende Kurzanalyse," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 68(23), pages 15-23, December.
  • Handle: RePEc:ces:ifosdt:v:68:y:2015:i:23:p:15-23
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    References listed on IDEAS

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    1. Börsch-Supan, Axel & Bucher-Koenen, Tabea & Kluth, Sebastian & Haupt, Marlene & Goll, Nicolas, 2015. "Vor- und Nachteile höherer Flexibilität als Instrument zur Erhöhung der Beschäftigung Älterer," MEA discussion paper series 201506, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
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    Cited by:

    1. Eckart Bomsdorf, 2018. "Das Rentenniveau sichern – aber wie? Eine kurze Analyse und ein systemadäquater Vorschlag," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 71(11), pages 30-34, June.

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    More about this item

    Keywords

    Altersgrenze; Flexible Altersgrenze; Sterblichkeit; Rentenfinanzierung; Rentenpolitik; Bevölkerungsentwicklung;
    All these keywords.

    JEL classification:

    • H55 - Public Economics - - National Government Expenditures and Related Policies - - - Social Security and Public Pensions
    • J11 - Labor and Demographic Economics - - Demographic Economics - - - Demographic Trends, Macroeconomic Effects, and Forecasts
    • J26 - Labor and Demographic Economics - - Demand and Supply of Labor - - - Retirement; Retirement Policies

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