Özet:

Scrutinizing the data of the German Pension Insurance, in the base of analysis of the demographic projections, seem to have negative characteristics in terms of actuarial balance. Germany has a population which is over 82 million currently, but it will be reduced to 62 million in 2050. Furthermore, after 40 years in Germany, one third of the population will be over the pensionable age (67 age) and one of every seven people will be over 80. The development of health care services and rise of life standards have led to increase life expectancy at birth. As a result of this, average human lifetime is augmenting. At the same time, due to low fertility rates, the population is aging rapidly. One of the consequences of this fact in terms of the science of social security is that people are getting retirement pensions for longer periods. Reforms have been made because of demographic concerns and danger of old age poverty. As a result of these reforms, Riester pension system and occupational pension schemes have emerged in Germany

Anahtar Kelimeler: