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Everyone gains, but some more than others

In: Costs and Benefits of Collective Pension Systems

Author

Listed:
  • K. Aarssen

    (ABP Pension Fund)

  • B. J. Kuipers

    (ABP Pension Fund)

Abstract

Within collective pension plans, the uniform contribution rates cause considerable redistribution. Women benefit more from the retirement pension than men, while benefiting less from the partner's pension. Single people benefit less from schemes than partnered members. The option of exchanging the accrued partner's pension for supplementary retirement pension has made the differences smaller, however. Additionally, the inequality between employees with longer and short careers has decreased due to the transition from final pay to average earnings schemes. When calculating their premiums, life insurers do make distinctions between characteristics of the members. However, the costs of private insurance products are so high, that nevertheless nearly everyone is cheaper off with a collective pension.

Suggested Citation

  • K. Aarssen & B. J. Kuipers, 2007. "Everyone gains, but some more than others," Springer Books, in: Onno Steenbeek & Fieke Lecq (ed.), Costs and Benefits of Collective Pension Systems, chapter 8, pages 137-156, Springer.
    • Handle: RePEc:spr:sprchp:978-3-540-74374-3_8
    DOI: 10.1007/978-3-540-74374-3_8
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    Cited by:

    1. Jan Bonenkamp, 2009. "Measuring Lifetime Redistribution in Dutch Occupational Pensions," De Economist, Springer, vol. 157(1), pages 49-77, March.

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