Erwarteter Bezug von Grundsicherung im Alter: Verhaltensunterschiede und Fehleinschätzungen
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Erwarteter Bezug von Grundsicherung im Alter: Verhaltensunterschiede und Fehleinschätzungen
Lamla, Bettina | Gasche, Martin
Journal of Contextual Economics – Schmollers Jahrbuch, Vol. 133(2013), Iss. 4 : pp. 539–562 | First published online: October 03, 2017
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Bettina Lamla, MEA-Munich Center for the Economics of Aging am Max-Planck-Institut für Sozialrecht und Sozialpolitik, Amalienstr. 33, 80799 München.
Martin Gasche, MEA-Munich Center for the Economics of Aging am Max-Planck-Institut für Sozialrecht und Sozialpolitik, Amalienstr. 33, 80799 München.
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Abstract
Means testing of social security helps with targeting benefits to those in need. However, it might also discourage individual savings and work effort. In Germany, social security in the old age, so called „Grundsicherung im Alter", is means-tested. We find that 38% of German households believe that they are very likely to be dependent on „Grundsicherung im Alter" in the future. Those households differ in their socio-economic characteristics, savings and labour market behaviour from households who do not expect to be dependent on this particular programme. Our analysis suggests that half of the households expecting to receive „Grundsicherung im Alter" misjudge their eligibility as they have already accumulated enough public pension rights today to place them above the threshold of the means test. Differences between the two groups exist with respect to their knowledge about the pension system as well as the degree of pessimism that might favour wrong expectations.