Better Pensions For The European Union S Self Employed
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Better Pensions For The European Union S Self Employed
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Author : Rebecca Christie
language : en
Publisher:
Release Date : 2022
Better Pensions For The European Union S Self Employed written by Rebecca Christie and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022 with categories.
Self-employed workers are taking on a larger role in the European economy, particularly workers who operate as independent contractors rather than as small-business owners with their own workforce. Becoming self-employed offers flexibility and entrepreneurial potential, but can limit access to state-sponsored pension schemes. We assess the current state of pension policy across the European Union and take a more detailed look at five countries to see how independent workers are treated compared with their traditionally employed counterparts. We consider how policymakers might adjust or even overhaul their pension offerings to improve opportunities for the self-employed, while being mindful of the broader policy context in areas like innovation and overall tax burdens. In assessing policy options, it is useful to determine whether government, companies or individuals will be primarily responsible for paying for better pensions, and we structure our suggestions accordingly. Governments can make programmes more widely available, more consistent for all types of work and easier to understand and take part in. Companies can be encouraged to make pension contributions for all their workers, not just those they hire full-time. Individuals can be encouraged to set aside more for retirement with tax incentives, benefits flexibility and other policy measures. Access to pensions for low-income, more vulnerable self-employed workers should be considered separately from access for higher-paid workers. The current system does not facilitate this and indeed inhibits it in jurisdictions where a minimum income is required to join self-employment pension schemes.
Self Employment And Support For The Dutch Pension Reform
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Author : Ms.Izabela Karpowicz
language : en
Publisher: International Monetary Fund
Release Date : 2019-03-19
Self Employment And Support For The Dutch Pension Reform written by Ms.Izabela Karpowicz and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-03-19 with Business & Economics categories.
The Netherlands’ pension system is characterized by high participation rates, adequate retirement income, strong capitalization and sustainability. Pressure points are arising, however, due to population aging and untransparent intergenerational transfers inherent in the system. Moreover, the Dutch pension system needs to adapt to the changing labor market landscape with an increasing share of workers in self-employment not covered by any pension arrangement. The government has proposed replacing collective defined-benefits schemes with personal accounts, and abolishing uniform premia and constant accrual rates. The micro-data analysis shows that allowing greater risk-taking and freedom of choice in managing pension savings could crowd self-employed into pension schemes.
Supplementary Pensions In The European Union
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Author : Commission of the European Communities. Network of Experts on Supplementary Pensions
language : en
Publisher:
Release Date : 1995
Supplementary Pensions In The European Union written by Commission of the European Communities. Network of Experts on Supplementary Pensions and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1995 with Old age pensions categories.
Sustainability Of Pension Systems In The New Eu Member States And Croatia
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Author : Leszek Kasek
language : en
Publisher: World Bank Publications
Release Date : 2008-02-01
Sustainability Of Pension Systems In The New Eu Member States And Croatia written by Leszek Kasek and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-02-01 with Business & Economics categories.
This study finds that pension reforms in recent years have improved the efficiency and sustainability of pension systems in the new member states of the European Union and Croatia. However, for many countries, these probably have not gone far enough to ensure long-term sustainability, given the aging of the population. Reforms have included changes to Pay-As-You-Go (PAYG) systems, including increases in retirement ages (not at least for women), new benefit formulas, and new indexation mechanism. Some countries (Latvia and Poland) have further strengthened the link of contributions and benefits to the sustainability of the PAYG system through the introduction of national defined contribution accounts. The link is strengthened also by moving to a point system, which has been adopted by many of the countries. Several countries have introduced a second, private, pension pillar, funded through diversion of part of the pension contributions, thereby diversifying risk. However, some countries (in particular the Czech Republic, Slovenia, and Romania) will need to do more to safeguard the long-term viability of their pension systems, while others face challenges to ensure equitable pension systems and adequate living standards for all elderly people.
Pensions In The European Union Adapting To Economic And Social Change
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Author : Gerard Hughes
language : en
Publisher: Springer Science & Business Media
Release Date : 2012-12-06
Pensions In The European Union Adapting To Economic And Social Change written by Gerard Hughes and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-12-06 with Social Science categories.
The ageing, financial and labour market challenges facing the old age pension systems of the member states of the European Union are well known. Those who cast doubt on the ability of the present system of pension provision - at least to the extent that it is pay-as-you-go financed - to cope with the problems posed by these challenges are getting more vociferous. Increasingly there are calls for pay-as-you-go systems to be cut back and for funded systems to be expanded. This book contests the view that funding is the answer. It shows how adaptable the largely pay-as-you-go old age pension systems in the European Union are. Actuaries, economists, lawyers, political scientists, pension advisers, and sociologists, from nine European countries and the United States, consider four main themes: population ageing, competitiveness and retirement; pension financing and economic growth; adapting pension systems to meet change; and decision-making processes. They argue that pay-as-you-go-financed old age pension systems in the European Union have the ability to successfully adapt to economic and social change provided they do not take on too many non-insurance-related risks. Solving the problems of the labour market and controlling the direction and extent of economic development are beyond the powers of old age pension systems, regardless of how they are structured or financed. Separate budgets for separate risks is an indispensable principle if the complex processes of social protection are to be successfully managed, monitored, and made transparent. There can be no single plan for the future development of old age pension systems which would be universally valid for all the countries of the European Union. A single solution cannot take into account the special circumstances obtaining in every nation, and since respect for the special features of national systems is the basis of popular acceptance, the way forward is to reform existing systems in existing contexts.
Pensions Challenges And Reforms
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Author : Einar Overbye
language : en
Publisher: Routledge
Release Date : 2017-11-28
Pensions Challenges And Reforms written by Einar Overbye and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-11-28 with Business & Economics categories.
Throughout the developed world, public and private pension schemes face major challenges that are creating irresistible pressures for reform. Major structural changes in Latin America and in Central and Eastern Europe have led to particularly fierce pressure. Two member states of the European Union - Italy and Sweden - have introduced radical reform of their public pensions systems; controversial pension reforms have been proposed in France and Germany; and the British government has been widely criticized over its pension reforms and its 2002 white paper. This exceptional volume examines the challenges faced by pension schemes in the advanced economies and the reforms that have been introduced to tackle these challenges. A team of international contributors provides an up-to-date, invaluable analysis of different aspects of pension problems, prospects and reforms. The book incorporates cross-national chapters as well as a focus on individual countries including Belgium, Brazil, Colombia, Finland, Greece, Italy, Sweden, the UK and the USA.
Best Practices And Performance Of Auto Enrolment Mechanisms For Pension Savings
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Author :
language : en
Publisher:
Release Date : 2021
Best Practices And Performance Of Auto Enrolment Mechanisms For Pension Savings written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021 with categories.
An ageing society and higher life expectancy in the European Union (EU) have raised concerns over the adequacy and financial sustainability of existing pension systems to deliver a retirement income that would ensure decent living standards and prevent old-age poverty. Moreover, the economic and financial crisis in 2007-08 and subsequent policy response exacerbated social inequality across the EU. In 2015, the Juncker Commission acknowledged the need for upward social convergence between and within Member States and proposed a European Pillar of Social Rights (EPSR). The EPSR initiative was launched by the European Commission (EC) in 2017 with the overarching objective to deliver new and improve existing social standards for people across the EU. Of the twenty principles agreed by all Member States, there was a commitment and responsibility (at both Union and Member State level) to ensure : 'Workers and the self-employed in retirement have the right to a pension commensurate to their contributions and ensuring an adequate income. Women and men shall have equal opportunities to acquire pension rights', and that 'Everyone in old age has the right to resources that ensure living in dignity.' In the 2018 edition of the triennial Pension Adequacy Report, the Commission stressed the role of well-designed supplementary pension schemes, in addition to statutory pensions, to help achieve adequate pension outcomes. It also recognised automatic enrolment (also referred to as auto-enrolment) (AE) as a potential policy tool that may be used in combination with others (e.g., tax and financial incentives) to improve the coverage of supplementary pensions. AE is a mechanism that automatically enrols individuals into a retirement savings scheme unless they actively opt-out. Such schemes, depending on their design, may encourage regular savings in cost-effective pension products that re-invest in a diversified portfolio of assets. The purpose of this study is to set out the features and best practices of different auto-enrolment mechanisms into pension schemes. It also compares such practices across EU and non-EU jurisdictions and provides preliminary empirical evidence of the impact of auto-enrolment on pension adequacy, especially in countries where it is well established. The study contributes to one of the key objectives of the Commission's Capital Markets Union (CMU) programme of improving the diversification of households' financial assets and pension adequacy through capital markets.
Adequate And Sustainable Pensions
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Author : Commission of the European Communities
language : en
Publisher: Commission of European Communities
Release Date : 2003
Adequate And Sustainable Pensions written by Commission of the European Communities and has been published by Commission of European Communities this book supported file pdf, txt, epub, kindle and other format this book has been release on 2003 with Old age pensions categories.
Several European Councils have highlighted the challenge of an ageing population and its complications for the maintenance of pensions. An open method of coordination on pensions is required. The Laeken European Council launched this process on the bases of safeguarding the capacity of systems, maintenance their financial sustainability and meeting social needs.
Self Employment As Precarious Work
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Author : Wieteke Conen
language : en
Publisher: Edward Elgar Publishing
Release Date : 2019
Self Employment As Precarious Work written by Wieteke Conen and has been published by Edward Elgar Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019 with Political Science categories.
Since the 1970s the long term decline in self-employment has slowed – and even reversed in some countries – and the prospect of ‘being your own boss’ is increasingly topical in the discourse of both the general public and within academia. Traditionally, self-employment has been associated with independent entrepreneurship, but increasingly it has become a form of precarious work. This book utilises evidence-based information to address both the current and future challenges of this trend as the nature of self-employment changes, as well as to demonstrate where, when and why self-employment has emerged as precarious work in Europe.
The Attitude Of The Working Population To Retirement
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Author : Commission of the European Communities
language : en
Publisher:
Release Date : 1978
The Attitude Of The Working Population To Retirement written by Commission of the European Communities and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1978 with Public opinion categories.