2015

Pensjonsreformen vil virke etter intensjonen på lengre sikt. Innsparingen i utgiftene til alderspensjon blir større jo mer levealderen øker: Den årlige besparelsen anslås å komme opp i 82 milliarder kroner i 2060.

In general, retirement is seen as a pure labor supply phenomenon, but firms can have strong incentives to send expensive older workers into retirement. Based on the seniority wage model developed by Lazear (1979), we discuss steep seniority wage profiles as incentives for firms to dismiss older workers before retirement.

In 1996, Germany introduced the Altersteilzeit (ATZ) law, which encouraged longer working lives through partial retirement incentives. Using matched pension system and establishment survey data, we estimate changes in part-time employment and retirement after ATZ.

Møtet 28.august vil se på de nye aldersgrensene og tjenestepensjon – trykk på overskriften for å se programmet for dette møtet.

Demographic developments are unfavourable for the financing of pension schemes in most OECD countries, implying continued growth in pension expenditure in virtually all OECD countries. This paper examines the vulnerability of pension systems, with an emphasis on financial sustainability and adequacy.

This paper provides a framework for comparing a defined benefit (DB) and a defined contribution (DC) point schemes, which are both pay-as-you go (PAYG) financed. Two stylised PAYG pension schemes are  modelled and simulated to compare their robustness to shocks.

Ved utgangen av 2014 var det mer enn 400 000 arbeidstakere som var omfattet av arbeidsgiverbetalt helseforsikring. Og markedet vokser stadig.Et av forsikringsbransjen salgsargument av produktet er lovnad om redusert sykefravær. Er det virkelig slik at helseforsikring gir reduksjon i sykefraværet og dermed besparelser for bedriften?

We analyse the effects of retirement of one partner on home production by both partners in a couple. Using longitudinal data from Germany on couples, we control for fixed household specific effects to address the concern that retirement decisions are correlated with unobserved characteristics that also affect home production.

Det vil avholdes møte i Pensjonsforum 28.august. Møtet vil se på de nye aldersgrensene og tjenestepensjon – trykk på overskriften for å se programmet for dette møtet.

This paper investigates whether individuals at the end of working life choose self-employment out of necessity and to what degree job search requirements for unemployment benefits induce people to become self-employed.

Generalized unexpected raise in life expectancy is a source of aggregate risk. Longevity‐linked securities are a natural instrument to reallocate these risks by making them tradable in the financial market.

Private pension provision faces the challenging task of providing stable income streams during retirement. The challenge has increased markedly in the last decades due to volatile financial markets, falling interest rates and the withdrawal of employers and external insurers as risk bearers of systematic financial and longevity risks.