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Le financement de la dépendance : quelques enseignements de l’expérience allemande

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  • Arnaud Lechevalier

Abstract

[eng] Financing long-term care : some lessons from Germany . The purpose of this paper is to evaluate, with regard to the distinctive features of risk, the three main characteristics of the methods for financing long term care in Germany, which resulted from laws voted in 1994 and 1996 : the choice in favour of social insurance financed by contributions based on gross individual earnings with a mandatory private insurance at the same time for those with earnings above the ceiling of social contributions ; a mix of financing systems at the macroeconomic level with a predominant pay-as-you-go scheme, completed by private insurance companies ; the link between the investment in human capital and the contribution to financing, a link to be finally established in the near future following the recent judgement of the federal constitutional Court in Germany. The paper will attempt to extract lessons - some general, others dealing with specific instruments - which prove useful for reflecting upon the French situation. . JEL classification : C23, H55, J26 [fre] L'objet de cette contribution est d'évaluer, au regard des particularités du risque, les trois grands traits dominants des modes de financement de la prise en charge de la dépendance en Allemagne, tels qu'ils ont été institués par les lois de 1994 et 1996 ; le choix en faveur d'une assurance sociale financée par cotisations, accompagnée d'une obligation d'assurance auprès des compagnies privées pour les personnes dont le revenu est situé au-dessus du plafond d'assujettissement ; un système mixte de financement au niveau macroéconomique avec une place dominante faite à la répartition complétée par un financement par capitalisation dans le cadre de l'assurance privée ; le lien, enfin, à instaurer entre l'investissement en capital humain et la contribution au financement après l'arrêt récent de la Cour fédérale constitutionnelle. L'auteur s'attache à en tirer quelques enseignements utiles à la réflexion dans le cas français. . Classification JEL : C23, H55, J26.

Suggested Citation

  • Arnaud Lechevalier, 2002. "Le financement de la dépendance : quelques enseignements de l’expérience allemande," Revue d'Économie Financière, Programme National Persée, vol. 68(4), pages 137-163.
    • Handle: RePEc:prs:recofi:ecofi_0987-3368_2002_num_68_4_4776
    DOI: 10.3406/ecofi.2002.4776
    Note: DOI:10.3406/ecofi.2002.4776
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    References listed on IDEAS

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    1. Cigno, Alessandro, 1993. "Intergenerational transfers without altruism : Family, market and state," European Journal of Political Economy, Elsevier, vol. 9(4), pages 505-518, November.
    2. Cigno, Alessandro & Rosati, Furio C., 1996. "Jointly determined saving and fertility behaviour: Theory, and estimates for Germany, Italy, UK and USA," European Economic Review, Elsevier, vol. 40(8), pages 1561-1589, November.
    3. Rosati, Furio Camillo, 1996. "Social security in a non-altruistic model with uncertainty and endogenous fertility," Journal of Public Economics, Elsevier, vol. 60(2), pages 283-294, May.
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    More about this item

    JEL classification:

    • C23 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Models with Panel Data; Spatio-temporal Models
    • H55 - Public Economics - - National Government Expenditures and Related Policies - - - Social Security and Public Pensions
    • J26 - Labor and Demographic Economics - - Demand and Supply of Labor - - - Retirement; Retirement Policies
    • C23 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Models with Panel Data; Spatio-temporal Models
    • H55 - Public Economics - - National Government Expenditures and Related Policies - - - Social Security and Public Pensions
    • J26 - Labor and Demographic Economics - - Demand and Supply of Labor - - - Retirement; Retirement Policies

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