Pensioners in the German Social Security System: Payments of Contribution and Benefits

36 Pages Posted: 13 Sep 2010

See all articles by Martin Gasche

Martin Gasche

University of Mannheim - Mannheim Research Institute for the Economics of Aging (MEA)

Date Written: August 13, 2010

Abstract

Pensioners receive pension payments as well as health insurance and nursing insurance benefits. But pensioners are also contributors to the health and nursing insurance. So the pensioners fund part of the expenditures they cause by themselves. This study takes a closer look at the different pensions (old-age pension, disability pension and widow and widower pension) and their characteristics such as the age distribution of pension recipients, the income structure or the income distribution. The social security contributions and the expenditures of the social insurance for pensioners will be determined age-specific and sex-specific. It can be stated that the contributions of the pensioners to the statutory health insurance are not sufficient to cover the caused expenditures starting at the age of 45 on average. Comparing the sum of contributions with the sum of expenditures leads to the conclusion that pensioners’ contributions cover 44% of the expenditures of the statutory health insurance and 27% of the expenditures of the long term care insurance.

Note: Downloadable document is in German.

JEL Classification: H51, H55

Suggested Citation

Gasche, Martin, Pensioners in the German Social Security System: Payments of Contribution and Benefits (August 13, 2010). MEA Discussion Paper No. 203-10, Available at SSRN: https://ssrn.com/abstract=1676166 or http://dx.doi.org/10.2139/ssrn.1676166

Martin Gasche (Contact Author)

University of Mannheim - Mannheim Research Institute for the Economics of Aging (MEA) ( email )

D-68131 Mannheim
Germany

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