Individualized Supply of Retirement Planning Information in Sweden

Mitarbeiter in diesem Projekt:

The sweeping reforms to old age security schemes over the past 10 to 15 years were responses to changing social, political, economic and demographic parameters. In many European countries, these reforms were even paradigmatic in nature, meaning they were no longer inbuilt but entailed an overhaul of the entire old-age pension system. In the process, governments mostly adhered to the three-pillar model outlined by the World Bank in 1994, comprising statutory, i.e. public, occupational and private retirement planning. Consequently, the progressive extensions to multi-pillar systems have resulted in heightened information requirements on the parts of all actors, depending on the degree and reach of revisions. This applies equally to system administration, including the legislator and social insurance institutions, as well as to the insured, namely present and future beneficiaries. Higher demands are thus placed on system administration owing to additional tasks such as the introduction of information systems and changed infrastructures (notably the expansion of Internet offers). On the other hand, insured persons experience a greater need for information, especially because of the altered structures and more complex organization of old age provision systems, flanked by wide-ranging personal decision options and obligations with regard to occupational and/or private supplementary insurance. It follows that the supply of comprehensive information concerning individualized benefits and claims under the respective pillars and schemes often forms a major part of the reform process. All the while, European states have adopted differing strategies in tackling these issues, with the social democratic regimes in Scandinavia playing a pioneering role here. The Swedish example, in particular, is often cited as commendable in this context. It involves a mix of information instruments, comprising the statutory pension insurance letter (orange kuvertet) and communications of the occupational pension facilities, as well as the Internet portal This project, launched at the University of Koblenz-Landau and continued at the Max Planck Institute for Social Law and Social Policy, aims to analyze the Swedish model of retirement planning information, and to assess the possibilities and limits of applying it to the German system. Profiting from Swedish experiences and problems, these findings can eventually contribute to the discourse about introducing a similar information model for cross-pillar old age provision in Germany. The project is financed through the Research Network on Pensions (FNA) of the German Pension Authority. The main results of this project have been published in 2012 in the journal "Deutsche Rentenversicherung". The full research report has been published in 2013 by the Research Network on Pensions (FNA) of the German Pension Authority.

Aus diesem Projekt hervorgegangene Publikationen:
  • Sesselmeier, Werner; Haupt, Marlene (2013): Forschungsbericht zum FNA-Projekt "Eine Analyse der Altersvorsorgeinformationen in Schweden", FNA-Journal, 3/2013, Forschungsnetzwerk Alterssicherung (FNA) der Deutschen Rentenversicherung Bund, Berlin
  • Haupt, Marlene; Sesselmeier, Werner (2012): Altersvorsorgeinformationen in Schweden – ein Vorbild für Deutschland?, Deutsche Rentenversicherung, 67, 2, 82-96

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